EJB: Are you saying you're a virgin?

CHARLEY: (laughing) No, not quite. But it's been a while. A long while.

EJB: Care to share why?

CHARLEY: Nothing earthshaking, just life. I had other priorities and, well, I don't make a habit out of having casual s.e.x.

EJB: That's good to know. I can't say I've been serious with anyone in a while, either, though I'm open to the idea. With the right person. It's just that between running the family business and dealing with life, there hasn't been time to find her.

He sat back in his chair, smiling. That should bait the hook nicely. If she hadn't recognized his name already as part of one of Norfolk's leading families, she at least knew he was successful in some sense.

CHARLEY: Work can be rewarding, but it's hard to not let it take over your life and crowd out everything else.

EJB: True. I love my work, but I'm finding you to be quite the distraction. I was thinking about you all day at work today.

CHARLEY: You were? Why?

EJB: I guess it's the things you shared with me. The intimacy between us. We may not have had s.e.x-yet-but we talked about it, and you've gotten under my skin.

CHARLEY: EJ...I don't know what to say.

EJB: Say you'll meet me.

CHARLEY: That may not actually be possible.

EJB: Where do you live?

CHARLEY: Virginia.

EJB: Where in Virginia?

CHARLEY: On the coast. Norfolk.

EJB: Charley, fate is on our side.

CHARLEY: Why do you say that?

EJB: I live in Norfolk, too.

Charlotte sat back, stunned. Was this possible? She'd heard a lot of stories about people meeting on the Internet, traveling incredible distances to be together, but ending up in the same city? She might not be so surprised in an enormous population like New York City, but for two people in Norfolk-the sheer magic of it floored her, and she had no idea what to say.

EJB: Charlotte. I'm sorry, I didn't mean to shock you. This is a huge coincidence, I know, but it's not all that uncommon these days. Maybe we're just lucky. Maybe it's fate. Are you okay?

CHARLEY: Not scared. Amazed.

EJ sighed-of course. Amazed because she believed she'd found yet another dupe to rob blind. He was surprised she hadn't backed off when he ended up living in the same town, and wanted to meet. Maybe Ian was right and she was just the information gathering point for a larger operation, because he'd expected it would be safer for her to stay anonymous-unless she was angling for a bigger take.

If she'd checked out his registration information, and the credit card information from his donation, she would know a lot about him already. She'd know he lived in a wealthy neighborhood, and that he was in her backyard. He supposed she had to play it cool, pretend like she had no idea. She might know a lot of other things, depending on how good she was with a computer network.

He wanted to get to the bottom of this. Whatever was going on, Charlotte Gerard was part of it, and he wanted to find out how. No doubt they had other victims on the line, and he wanted to close this down before they took some other poor guy's life savings.

EJB: Charlotte, can you do another reading for me? In person.

CHARLEY: I'd love to, EJ. That would be perfect.

EJB: I understand your concerns, and we could meet in a public place, a cafe, if you like.

Charlotte sat back, considering. She knew that was the smart thing to do, but she didn't like the idea of meeting EJ with lots of people around, or reading for him in public, which was bound to be a very personal experience, considering.

Putting her faith in the universe, she flipped another card: The Fool The Fool. While she might be foolish to take such a leap, the card generally advised taking a chance, and trusting that things would work out. So she held her breath and took the plunge.

CHARLEY: No, I'd really rather meet you at your house.

She decided, ultimately, that it was safer to meet him at his place, so he didn't find out where she lived. Also, if the residence looked sketchy, she could just leave.

EJ: Thank you, Charlotte. I have a feeling this is going to be life-changing for both of us.

THE NEXT DAY, Charlotte stepped from the taxi, smoothing her yellow and white pinstriped seersucker sundress and catching her breath at the sight before her. It was the most beautiful house she'd ever seen, with the ivy-covered porch and bursts of spring flowers everywhere.

Its grandness could have been off-putting with the porch's st.u.r.dy columns and iron rails, but everything was wrapped in green and color, the plants were mature and well-tended. No modern landscaping could rival it. This gorgeous old house had known love, nurturing and happy times.

It must also be worth a fortune. She counted the beautiful, multi-paned windows on just the front-twenty-one. Wow. She looked up to the third floor, wondering what it would be like to gaze from one of those windows down on the magnolias that were just past their peak. The gra.s.s was green and lush, without a weed in sight. Relatively a.s.sured the man she was meeting was probably not an axe-murderer-not that money guaranteed against that, but she was willing to err on the side of her instincts-she waved to the taxi driver and sent him on his way with a smile.

Stepping up on the porch, she pushed the buzzer and waited, heart pounding. The man who would open the door had been sizzling in her fantasies for days, and now she was going to meet him face-to-face. Not one to succ.u.mb to nerves so easily, she was virtually vibrating with excitement and antic.i.p.ation.