be waiting, that’s for sure,” Joe replied, his deep voice quiet.
“Joe, don’t talk business,” Erika said peeved. “Come with me. I want to show you some pictures.”
Rebecca couldn’t help one more look at Joe. She saw Erika tuck her arm in his. He glanced over her shoulder, his shapely mouth turned up in a grin. He winked at her, and Rebecca felt her heart stir in response.
“That Joe,” Dale said with a laugh as Rebecca shook her head to dispel the emotion. “Always got one girl or another following him around.”
“You know him?” Rebecca asked, forcing herself to look away from Erika, envying her slender, perfectly formed legs, the bounce in her step, the man to whose arm she clung.
“We went to school together. In high school, you seldom saw the guy without one or two girls hanging on to him.”
Rebecca dismissed her reaction to Joe’s good looks. She understood the attraction even as she chided herself for her response. “Doesn’t look like much has changed.”
Dale shook his head. “I doubt he’ll ever settle down.” He turned to Rebecca. “But I don’t want to talk about him. Why don’t we talk about you?”
Rebecca wasn’t sure she wanted to discuss that topic, either, but answered his impersonal questions. By the time Rebecca had worked her way cautiously to the bottom of the stairs, Jenna was there to meet them.
“Would you like to come for lunch, Dale?” she asked, smiling at Rebecca.
Rebecca almost groaned and was about to protest.
But Dale accepted gladly, and Jenna flashed Rebecca a triumphant look, which Rebecca chose to ignore. Ever since Kyle had dumped her, Jenna had been pushing her to go out with someone else. And it looked as if she was going to succeed, whether Rebecca liked it or not.
“You’re telling me you want the money now?” Lane Brewer, Joe’s younger brother, curled his fingers into a fist and glared at his brother. The two sat across from each other at the same scarred wooden table they had used as boys. The air was heavy with resentment.
Nothing had changed, Joe thought, holding his brother’s angry gaze. Lane’s eyes were hard, his thin lips pressed tightly together.
“Why now?” Lane exclaimed.
“Because I applied for a loan to build my arena and calculated in my share of the ranch as an asset. I need the cash.” Joe tipped his chair on two legs in an effort to relax. He tried to stifle the fearful premonition that Lane was going to put him off once again.
“But you told me you could wait awhile.”
“When Dad died, I said I could wait until you got things going,” Joe replied, rocking lightly in the chair. “But now I have plans. I’ve applied for the loan. I’ve gotten a few inquiries from some breeders in Montana to train and show their horses. I need my share of the money to build the arena now. Besides, you have the place up for sale, and you told me you finally have a buyer.”
“I can’t do it,” Lane said flatly.
“What?” Joe let the chair legs fall to the floor with a hollow thunk. “Why not?”
“The buyer backed out, and then I got this.” Lane got up, picked a folded piece of paper from the top of a desk overflowing with papers and wordlessly handed it to Joe.
Joe unfolded the letter and skimmed the contents, his heart pounding at what he read. He reread it more slowly, laid the letter on the table and pulled his hand over his face. “When did you get this?”
“A couple of days ago.”
Joe leaned his chin on his hand, turning to look out the fly-specked window. The same window he had spent much of his youth looking out, wishing he were anywhere else but here in this old house at this selfsame table. “How did this happen? A bank doesn’t begin foreclosure unless as a last resort. How could you let things go so far?” he asked, turning to Lane.
“You said you didn’t want to be involved with the day-to-day stuff of the ranch. Told me to make my own decisions. Well, I did. I’ve had nothing but problems with this place. Disease, a bull that was no good. A couple of lousy hay crops and I had to buy hay. I couldn’t keep all the cows we had so I had to cut down. Which made less income.”
Lane leaned forward, his gaze intent. “We’re going to lose the ranch, Joe. If things go the way the bank is talking, they’re going to foreclose. I’ll have to declare personal bankruptcy, and I can’t do that. They’ll run my life for the next five years. I can’t stand that.”
“I don’t know why you say we are going to lose this place, Lane. You got your name on the title when Dad died. All I got was a cash payout.” And a small one, at that, which he still didn’t have, Joe thought, staring morosely at his brother.
Lane wasn’t worried about the ranch, and they both knew it. Lane never did like having people tell him what to do. If he declared personal bankruptcy, he would have someone hanging over his finances for years.
“Joe, this ranch is a part of you.” Lane tried another tack.
“Not the best part,” retorted Joe. “I’m not exactly awash in fond memories of it.” He glanced around the cramped kitchen, its painted wood cupboards still the same grimy cream color they had been all those dreary years that Lane, Joe and their widowed father lived here. Under the table and in front of the kitchen sink, the gray floor tiles were worn away to the wood subfloor. Behind him, the wall sported a hole from Joe’s teenage years when he lost his temper over his father’s unreasonable demands on his time. He had put his fist through the drywall and kicked a chair across the kitchen. It had no effect on his father. Joe’s loss of temper seldom did.
“I don’t know where I’m going to come up with enough cash to pay out these loans,” Lane continued with a sigh. “The ranch is not selling. I’m stuck. I know you have a bunch stashed away. You gotta help me out.”
Joe sighed as he picked up the letter and again read the stilted language, trying to find a way he could salvage something for himself from this fiasco. “Why don’t you go to another bank? Get a loan to pay me out?” It was a long shot, and given Lane’s financial woes, hardly a solution, but Joe was grasping at anything.
Lane looked at the table, tracing his fingers in one of the gouges as he narrowed his eyes. “I went to the banks from Rocky Mountain House to Okotoks and even to Calgary. None of them would help me out.”
Joe put the letter down. “Let me see last year’s financial statement.”
Lane sighed, pulled at his ear and got up. He riffled through some papers and pulled a large manila envelope from a pile. “Here,” he said, throwing the envelope on the table. “I can’t make heads or tails of them so I don’t know if a high school dropout like you could.”
Joe let the slight pass over him as he opened the envelope. Lane would sooner eat glass than ask Joe for help. That Lane had was a measure of how desperate he was. In spite of that, Lane still couldn’t stifle his petty tendencies.
A quick look showed Joe that Lane had borrowed on virtually everything he could. The income side of the statement showed a decreasing amount for the past three
