giggling about when we men were giving it our all on the baseball diamond.”
“Now you know.”
He already knew more than he wanted to—that Janice had a great sense of humor and that he was more attracted to her than he cared to admit, even to himself. While she was married, he hadn’t had any trouble keeping his distance. He ought to feel the same way about a newly widowed woman—she was off limits. But he was having trouble remembering that.
Fortunately, the arrival of the mail carrier saved him from making a fool of himself.
“Afternoon, Ms. Gainer. Another load of junk mail for your recycling pile.” The young black woman, wearing navy-blue uniform shorts and a light blue shirt, handed over a thick fold of mail. “Hope you all are doing okay these days.”
“We’re fine, Alice. Thanks for asking.”
“I’ve been praying for you and your children. Your husband was a hero, Ms. Gainer. The whole town says so. It’s an honor to know you.”
Nodding, Janice looked embarrassed by the young woman’s praise. She glanced down and began to sort through the mail as the carrier went striding back down the walkway.
“You okay?” Logan asked.
She shrugged. “Sometimes it’s hardest when people…she meant well enough, but a dead hero isn’t what I had in mind for a husband.”
Logan understood that. Worse, he was the one person who knew Ray hadn’t been a hero that day. He’d been an arrogant, hard-headed fool who hadn’t listened to Logan’s warning that the roof was about to collapse.
She lifted an envelope from the pile and ripped it open. “At last, the insurance company. This has got to be the check.” Unfolding a white sheet of stationery, she read it over, then sat down heavily on the top step of the porch. “This can’t be right,” she murmured. The color had fled her cheeks, and her trembling hand caused the letter to flutter. “It can’t be.”
Logan squatted down beside her. “What is it?”
“They say—” she shook her head “—they’re claiming the insurance policy lapsed more than a year ago because of lack of payment. But Ray—” She looked up at Logan with disbelief in her eyes. “Ray knew how important that money would be if something happened to him. I was supposed to pay off the mortgage with it. The children, me, that was our protection. Then the death benefit from the state would see us through for several years, till I could get a decent job. We’d talked about it. He knew we’d need the house paid off.”
Logan slipped the letter from her hand and read it quickly. “Maybe it’s a mistake. If you can find the canceled check, they’ll have to pay you the benefits. This is a reputable company. They’ll meet their obligations.”
“But what if Ray didn’t make the payments? What if he forgot? What will I do?” Her expression shifted, disbelief replaced by fear, deepening her eyes to a dark brown and sheening them with tears. “What in heaven’s name will I do? I’ve already got bills to pay. The funeral home. The fee for the plot. Dear God—”
“You’re not going to panic, that’s the first thing.” He rested his hand on her shoulder, stroking lightly. The funeral service had been huge, with every member of Paseo del Real’s fire department present while neighboring towns had covered in case an emergency occurred. Representatives from half the fire departments in the state and many from across the country had shown up. Police had been out in full force, so had many members of the community. Through it all, Janice had been a chin-up trouper. Her kids, too, considering their ages. Now she was falling apart. Logan was glad he was here to catch some of the pieces. “Then you’re going to go through your bank records. Chances are good you’ll find this is all a mistake. Meanwhile, the emergency fund will tide you over with whatever you and the kids need in order to get by.”
Her body shuddered beneath his hand. Vulnerable. Needing support. He tried not to think about how much he’d like to be the one she needed. Knowing what he did, he couldn’t be that man. Not for the long haul.
“I’ve been trying to sort through the records, but it’s like a maze. He had a half-dozen checking accounts. Some of them are closed, the others don’t show any balance at all. And I had no idea how many credit cards we had. It’s as though someone was handing them out like candy, and Ray accepted every offer that came his way.”
“Look, I don’t mean to butt in, but if you want me to, I’ll help you check through the records. Maybe together we can straighten this out.” Although he had the niggling feeling that whatever they found out wouldn’t be good news for Janice. Closed accounts and too many credit cards were a bad sign.
“I’ve been such a fool.” Her voice caught. “On all those talk shows, they warn you that a wife ought to know what’s going on financially. But Ray didn’t—” She fingered a grocery store flyer that had been delivered with the letter. “He didn’t think I was the smartest fish in the pond. He said he’d take care of everything.”
Resisting the urge to bunch his hands into fists, Logan wrapped his arm around her. Her hair smelled of a floral scent, like wild blossoms on a spring hillside. Fresh and invigorating. Elemental. So feminine it made him ache for her.
Damn it! She deserved better than to have been kept in the dark about the family finances. She deserved more than to be told she was dumb. She deserved somebody who would value her as the incredible woman that she was.
“Don’t throw in the towel yet, Jan. There’s still the state benefits, and the city provides something.”
She inhaled a shuddering breath. “I know. It’s just that—”
From across the street, two children came running, Janice’s son Kevin in the lead with five-year-old Maddie bringing up the rear.
“What are you doing to my mom?” Kevin demanded.
Janice broke away from Logan as though she’d been goosed. “Kevin, you remember Logan Strong, he rode on the ladder truck with your father.”
Kevin glared at Logan as if he’d committed some mortal sin—something that wasn’t ever going to happen, Logan reminded himself. At least not between him and Janice.
“Hey, Kevin,” he said. “How’s it going?”
The nine-year-old eyed him suspiciously. “My dad was a hero.”
“Yep,” Logan agreed. “That’s what they say.”
The chip on the boy’s shoulder was about ten feet high. “I’m gonna be a hero, too.”
“Good for you, son. I’m sure—”
“I’m not your son!”
Properly chastised, Logan agreed. “You’re right. But if you were, I’d be darn proud of you.”
The boy did a double take. “You would?”
“Sure. You take care of your mom, and your little sister, too. That’s pretty impressive for a nine-year-old kid.”
The youngster lifted his shoulders in a shrug that wasn’t all that uncaring. “I’ll do better when I’m grown up.”
