“You’re too old for her.”

His uncle grinned. “We’ll let her be the judge of that.”

They ordered lunch and talked business through the meal. On the way to his car, his cell phone rang. He looked at the screen-the number was unfamiliar.

“Yes?”

“Hi. It’s Annie.”

They had a business dinner to attend tomorrow night. “Is there a scheduling problem?”

“No. We’re going to get our Christmas tree this afternoon and I thought you might want to come with us.”

He stared at the phone a second before putting it back against his ear. “Why?”

He heard the smile in her voice as she spoke. “Because it’s fun and you need a little Christmas in your life. No pressure. You don’t have to if you don’t want to.”

Which he didn’t. But instead of telling her that, he found himself asking, “What time?”

“Four. My house. I don’t suppose you have a truck we could borrow? The tree never fits well on the top of my car.”

“I have a fleet of trucks, Annie. That’s what I do.”

“Oh. Right. Could we borrow a little one? Nothing with more than four wheels.”

He shifted the phone to the other ear. “This isn’t about me at all, is it? You just wanted to borrow a truck.”

“No. Well, the truck is a part of it, but I would have wanted you to come even if you’d said no to the truck.”

“I’m not sure I believe that.”

The humor fled her voice. “I won’t lie to you, Duncan.”

“I’ll see you at four.”

He hung up.

Women had lied to him before. A lot of them. They lied to get what they wanted. He would swear sometimes they lied for sport. Valentina had been the biggest liar of them all. She had told him she loved him and then she had left.

Annie changed out of her dress and low heels. She usually put on jeans after she got home from school, so there wasn’t anything unusual about that. The difference was this time she wasn’t just going to be hanging out at home. She would be seeing Duncan again and as much as she told herself it wasn’t a big deal, she’d yet to be totally convinced.

To be honest, the man confused her. He’d bought her services as a pretend girlfriend to improve his reputation. Not exactly something that happened every day. She’d gone online and read several articles about him, which had proven he really was considered something of a bastard in the business world. But he’d also paid for an impressive party wardrobe, given Tim a second chance and he’d kissed her.

The kiss was actually the most startling event, but she didn’t like to think about it too much. It had probably been for show, so everyone would think they really were together. A meaningless, practically sexless gesture. Well, for him. For her…there had been tingles.

Not like the tingles when they’d danced. Those had been in her chest, more about feeling safe and content than anything else. But the kissing tingles were completely different. They’d zipped and zinged all the way through her body, pausing in her breasts and between her legs. Those tingles had made her think about kissing him again and what Duncan would be like in bed.

Focus, she thought as she pulled on jeans. All the articles she’d read had talked about how he always got the details right. It was an excellent quality for a man to have in bed.

She didn’t usually daydream about making love with a guy after a single date. Especially not a date that wasn’t real. But something had happened when his mouth had briefly claimed hers. Something wonderful.

Now she reached for a red sweatshirt with Christmas geese marching across the front. Before putting it on, she wondered if she should wear something less boxy and more flattering. Something that would cause Duncan to see her as a…

What? A woman? He already did. An actual girlfriend? Not likely. They were only pretend dating. She couldn’t let herself forget that. Besides, two guys had already broken her heart. Was she going for a personal best by making it three?

She grabbed the sweatshirt and pulled it firmly over her head. She knew better, she reminded herself. The trick was going to be remembering that.

“We won’t be decorating the tree tonight,” Annie said as she sat next to Duncan in the cab of the truck he’d driven to her house. “The girls all have something they have to get to. A class or work. Besides, you’re supposed to let the tree sit out in the garage for a couple of days before bringing it in.”

“Why? It’s not a puppy. It doesn’t need to get used to being away from its mother.”

She laughed. “I think it’s about the branches settling. I have the tree stand set up in the garage, so we can put it in water as soon as we get it home.”

Duncan had arrived right on time. Based on the suit he wore, he’d come from work.

“Did I take you away from something important?” she asked.

“Nothing that can’t wait.” He smiled. “My assistant was surprised when I said I was leaving.”

“Imagine what she’d think if she knew where you were actually going.”

He chuckled.

She studied his profile. She liked the strength of his face, the chiseled jawline, the shape of his mouth. Her gaze lingered on the latter as she thought about him kissing her. Would he do it again? If he kissed her in a nonbusiness setting, then she would know for sure that he’d liked it as much as she had. Craziness, she told herself. She couldn’t think about Duncan as anything but her boss. The hard part was that she wanted a husband and a family to love, but all she had was a bruised heart and a fear that no man was going to think of her as more than a friend.

They pulled into the Christmas-tree lot. Jenny, Julie and Kami were already there. Duncan parked next to Jenny’s car.

“Brace yourself,” Annie told him. “You’re about to meet your match.”

He raised his eyebrows. “I can handle it.”

She grinned. “That’s what every man thinks, right before he runs into trouble. You’ve been warned.”

Annie watched Duncan get out of the truck and introduce himself to her cousins and Kami. By the time she reached them, the easy stuff was done.

“That article about you in last March’s issue of Time was interesting,” Julie said. “The press really hates you, huh?”

“A hazard of my occupation,” Duncan said calmly.

“Except there are a lot of CEOs out there,” Jenny pointed out. “They’re not all hated. Although I’ll give you the coverage of the purchase of the mobile home park wasn’t fair. You offered the residents a fair deal and made sure they were taken care of.”

“The thing is,” Julie added, “If one person thinks you aren’t nice, it’s probably them. But if all the press people feel that way…”

“I’m misunderstood,” Duncan said.

“Uh-huh.” Jenny and Julie moved between him and Annie. Kami seemed more comfortable keeping out of the conversation.

“What is this, the Inquisition?” Annie joked, warmed by her cousins’ protective questions but trying to lighten the mood. She might not have a husband and a baby, but she still had a family. She had to remember that.

“They have bright futures in the law.”

“I’m not going to be a lawyer,” Jenny said. “But I am watching out for Annie. We all are.”

Duncan did his best to look attentive rather than incredulous. Were these two college girls going to threaten him? They had neither the money nor the resources, and if it came to a battle of wills, he would leave them coughing in the dust.

None of which he said to them.

“I don’t need that much defending,” Annie said, looking uncomfortable. “Duncan, I’m sorry. I didn’t know the twins were going to gang up on you this much.”

“But a little would have been okay?”

“Sure.”

He turned to the cousins. “Annie and I have a business arrangement. She’ll be fine.”

“You have to promise,” one of the twins said. Duncan couldn’t tell them apart.

“You have my word on it.” Even if he and Annie didn’t have an agreement, she wouldn’t be at much risk. He didn’t get involved enough for anyone to get their feelings hurt. Life was easier that way.

They went into the lot. The girls fanned out to look at trees, but Annie stayed by him.

“I’m sorry if they offended you,” she began.

“Don’t be. I respect them for thinking they can take me.”

She tilted her head. Blond curls tumbled to her shoulder. “No, you don’t,” she said slowly. “You think they’re foolish.”

“That, too.”

“It’s a family thing. We’re a team. Like you and your uncle.”

He and Lawrence were many things, but a team wasn’t one of them. Duncan nodded because it was easier than having to explain. He watched Annie turn her attention to the rows of cut trees.

The air was thick with the smell of pine. There were a few shoppers talking over the sound of Christmas carols.

As Annie moved from tree to tree, he scanned the lot until he found the girls checking the price tag on a tree. Kami shook her head. The twins looked frustrated before moving to another tree. He turned back to Annie, who was gazing longingly at a tree that had to be fifteen feet, easy.

“You have eight-foot ceilings,” he said, coming up behind her. “Learn from your past mistakes.”

“Meaning we shouldn’t buy something that won’t fit.” She sighed. “But it’s beautiful.” She glanced at the price tag. It was eighty-five dollars. “Maybe not.”

“How much did you want to spend?” he asked.

“Under forty dollars. Less would be better. This is a family lot. They bring in the trees themselves. They cost a little more, but they’re really fresh and it’s kind of a tradition to come here.”

“You’re big on tradition, aren’t you?”

“Uh-huh. The rhythm of life, year after year. It’s fun.”

He felt like Scrooge. The only thing he did year after year was count his money.

She stopped in front of another tree, then glanced at him. “Not too tall?”

“It looks like a great height.”

She fingered the tag. It was sixty-five dollars. When she hesitated, he wanted to ask if twenty-five dollars really made that much difference. But he knew it did or Annie-the spokesperson for the wonders of Christmas-would cough up the money.

Duncan excused himself and found the owner of the lot. After a quiet conversation and the exchange of money, Duncan returned to Annie’s side.

“Let’s ask the guy if they have anything on sale,” he said.

She looked at him pityingly. “Trees don’t go on sale until a couple of days before Christmas.”

“How can you be sure? Maybe there’s a return or something.”

“No one returns a Christmas tree.”

He smiled. “And if you’re wrong?”

She sighed. “Fine. I’ll ask. But I’m telling you, there aren’t any returns or seconds in the Christmas-tree business.”

She looked around for the owner, then walked over to him. As Duncan watched, the man in the Santa T-shirt pointed to three different trees clustered together. Annie glanced at Duncan, then back at Santa guy.

“Seriously?” she was saying. “You have returns?”

“All the time. How high is your ceiling?”

“Eight feet.” She turned to the girls, who had joined her. “Did you hear that? These are only thirty dollars.”

They had a lengthy conversation about the merits of each tree. Finally one was chosen and put in the back of Duncan’s truck. Annie watched anxiously as he tied it down, then she took her seat in the cab.

She waited until he climbed in next to her before touching his arm. “Thank you,” she said quietly. “I don’t know how much you paid him, and normally I wouldn’t have accepted the gift. But it’s Christmas and the girls love the tree. So thank you.”

He started to say it wasn’t him, then shrugged. “I need to get back to the office. You were taking too long, looking for a discount tree.”

Her blue gaze never wavered. “You’re not a bad guy. Why do you want people to think you are?”

“It’s not about nice, it’s about tough. Staying strong. That means making the hard decisions.”

It also meant depending only on himself-the one person he could trust to be there for him. She might think connecting was everything, but he knew better.

“You don’t have to be mean to be strong,” she said.

“Sometimes you do,” he told her and started the engine.

Annie had never paid attention to magazine articles on relaxation. Her life was busy-she didn’t have time to become one with the moment. On her best day, she was only slightly behind. One her worst day, her to-do list stretched for miles. But now, as she sat in the elegant beachfront restaurant with Duncan’s business associates and stared at the nine pieces of flatware around her place setting-most of which were totally foreign to her-she wished she’d at least read the paragraphs on how to breathe through panic.

She knew enough to start from outside and work her way in. There was also a fairly good chance that the horizontal three pieces above the decorative plate were for dessert. Or maybe dessert and cheese, and possibly coffee. The weird little fork could be for shrimp or even fish and the steak knife was clear, but what were the other three for?