"I'm sorry," she muttered, feeling ridiculous. "I guess maybe I am a little nervous."

"No!" He put a hand on his chest and looked incredulous.

She stared resentfully at him for a long, tense moment, then gave an embarrassed giggle. "Okay, I'm sorry," she said. "Really. I'm being pretty silly."

"Yeah, you are." He put his hands on her shoulders and smiled disarmingly at her. "Do I look like a maniac who drowns gorgeous blonds in my hot tub?"

She focused on his dimple and shook her head. "No."

"Oh, what a relief." His smile broadened and became irresistible. "Besides, Dahlia wouldn't allow it. Maddy… look. I'm here to help you get over your fears, not make them worse. Everything we do tonight will be pleasant. Enjoyable. Even… fun." His voice was soft and deep-throated. It soothed the rough, raw edges of her fear like warm oil. "Trust me. Nothing's going to hurt you tonight, or scare you. Okay?"

"Okay." She nodded, but somewhat dubiously. She did trust him not to hurt her. So why was she still shivering?

It wasn't until she was closed into the privacy of the bathroom and facing her own reflection in the mirror that she realized it wasn't the water she was afraid of at all. It was Zack. Just… Zack.

The problem, she decided as she peeled off her sweater and folded it neatly, was that he kept giving off conflicting signals. Not that she was adept at reading such signals, granted, but she'd had enough of the wrong kind of experience to know when a man was putting the make on her. She just wasn't hearing the usual warning bells and sirens with Zack. And yet he'd already taken more physical liberties with her than she'd tolerated from any of the men she'd dated in recent memory.

What did he want from her? On the one hand, he courted her trust. And on the other… what?

Maddy pulled on her suit, the plain black one she had bought for her first lesson at the public pool, and surveyed herself critically in the mirror. Damn the suit, anyway. It had seemed so practical. She'd had no idea when she bought it that it would be so… revealing.

"You really are cold, aren't you?" Zack said when she finally found the courage to rejoin him. She glanced down at herself and groaned inwardly.

"Don't worry," he went on. "The hot tub will take care of those chills." He sounded comforting. Maddy tried to hide her telltale nipples behind a folded towel.

"H-hot tub?" She stumbled a little as she followed Zack down a short flight of carpeted stairs to a sumptuously appointed room that appeared to be a combination den and game room. The carpet was thick, chairs and sofas big and comfortable, tables cluttered with books and magazines. One end of the room was dominated by a huge stone fireplace, the other by an equally enormous pool table. In between, wide glass doors opened onto a covered patio made jungly by potted and hanging plants. Beyond the greenery, Maddy could just see the turquoise glitter of the pool.

"We'll start with the hot tub," Zack said, pulling open the sliding glass doors. His hand on her back was uncompromising. With a perfectly straight face he added, "It's a terrific way to warm up."

"Hot tub," she repeated, balking suspiciously. "I thought you were supposed to teach me to swim." She glared at him accusingly. "I may be from Indiana, but I know you can't swim in a hot tub."

"Hey, who's the teacher here? Quit worrying about the swimming part. Right now it's your fear of water we have to deal with. First things first. And the first thing I'm going to do"-he firmly removed the towel from her frozen fingers and dropped it onto the deck's rough paving stones-"is show you some of the sensual properties of water." His jacket joined her towel.

"Sen-sensual?" Inexplicably, Maddy had begun to shiver again.

Zack moved away to flip switches and punch buttons. He returned to hold out his hand to her in a gesture that was very much like an invitation to dance. "Yes… sensual. As in, 'appealing to the senses.' Your fear of water isn't all-encompassing. You don't get hysterical when presented with a glass of iced tea, do you?"

"Of course not!"

"And you take showers, don't you?"

"Yes, of course I do. That's ridic-"

"We're making progress! Baths?"

"Yes!"

"You see? We've just got to narrow the scope of your fear even further. If we eliminate all the things about water that don't frighten you, let's hope that, by the process of elimination, we can get to what's really bugging you. Come on, Maddy-take my hand."

Fascinated against her will, she put her hand in his larger, warmer one, and allowed herself to be led to the edge of the tub.

He stopped and murmured, "Listen."

"What?" She stared at him, confused.

"Hush. Listen to the water. Hearing's a sense, too. Don't you know that the sound of running water is considered to be a terrific natural tranquilizer?" Keeping a firm grip on her hand, he stepped into the bubbling water. Maddy had no choice but to follow.

"Ever been in a hot tub before?" he asked casually as he guided her into the whirlpool bath.

She threw him what she hoped was a disdainful look. "Of course I have. I didn't just fall off a hay wagon, you know!"

He grinned disarmingly and peered closely at her. "Let's see." He picked an imaginary straw out of her hair, shook his head, and flicked it away. Maddy found herself grinning back, and curled her free hand into a fist and pounded it once, in gentle reproof, on his smooth chest. He captured it and, holding both of her hands between his, said softly, "Maddy, sit down."

Without taking her eyes from his, she lowered herself into the frothy bubbles. Warmth, churning, caressing, tingling warmth enveloped her to her chin.

Maddy hadn't lied. She had been in hot tubs before. But not like this. She wasn't sure why, but this was… different. The sensations were indescribable. And delicious. The water stroked her body like fingers, magical, sensitive fingers. And the churning seemed to be inside her…

Zack's mouth had curved in a smile, but as she gazed at him it seemed to blur and soften. He let go of her hands and touched her face, drawing his thumb across the film of moisture on her upper lip. Her lips parted in response. He touched her warm cheek with the backs of his fingers, then lifted a strand of her hair and delicately tucked it behind her ear.

"Maddy… close your eyes."

It was an easy command to obey. Her eyelids had grown so heavy, it was almost a relief to let them drift softly down.

"Feel the water… go with it. Let it hold you…"

His fingers combed her hair back from her temples, fanning wide to encompass her head. Her head had become too heavy for her neck to support. It felt good to let it lie in the basket of his hands.

"Don't go to sleep on me, now." His voice was gently amused.

Her eyes flew open, and for a moment she felt disoriented to discover it was still daylight. Her senses had somehow evoked subliminal memories of tropical nights, soft and humid and heavy with the scent of flowers. She cleared her throat, and, like an intoxicated person trying hard to appear sober, focused her eyes on Zack's dimple and said, "I wasn't sleeping."

Her intention was to speak clearly and with authority, but for some reason her words came out with a bit of a slur. She knotted her eyebrows into a frown and tried again. "I was just… relaxing."

"Good." His smile was approving. His fingers moved, rubbing back and forth on her scalp. The rasping sound they made was loud in her ears, and had an oddly hypnotic effect. Her jaw felt unhinged. She said "Umm…" then decided that it took too much effort to talk.

"Now," Zack murmured, "I want you to lie in the water. Raise your body, stretch out flat, just like you would if you were lying in bed. The most comfortable bed in the world. Feathers… down…"

"Water bed," she mumbled, pleased with her cleverness.

Zack's chuckle made a cool stirring on her heated skin. Still supporting her head in his hands, he turned her and arranged himself so that her back was against his chest, her head resting in the hollow of his shoulder. His hands slid down her neck to her shoulders, then moved slowly along her arms to her wrists. Very gently he drew her arms up and out until they lay on the water's frothy surface, perpendicular to her body.

"That's right… just let them float. Let the water hold you."

She felt his hands on her back, her ribs, her waist, gently lifting. They seemed like part of the water…

It was weird, as if she were floating on clouds of fragrant steam, but at the same time her body felt so heavy. She was aware of her pulse throbbing in strange and disturbing places, in parts of her body she'd never noticed her pulse in before. She had a vague feeling that what she was doing, what he was doing, was more erotic than educational, but she couldn't seem to care. In fact, if she turned her head just a little, her lips would touch wet-silk warmth… his neck…

"Oops," Zack said. "It's getting too hot in here, I think." Odd, she thought. Was it her ears, or did his voice seem slurred too? "Time to cool off. Upsy-daisy."

He restored her to a sitting position. She felt lightheaded and slightly nauseated.

"Can you stand?" he asked.

She nodded, and did so, but her legs felt like jelly and she had to lean heavily on the hand he offered to help her over the side of the tub and into the pool.

"It'll seem cold," he said, "after the hot tub."

It did, but it also felt refreshing, like a cool drink on a hot summer's day. The water was a liquid caress on her heated skin. It touched and tantalized her nerve endings in new ways, and gave another dimension to the term "gooseflesh." Maddy forgot she was in a swimming pool. All she was aware of was the cool kiss of the water and Zack.

He was there, close behind her, his hands curving around her shoulders, his chest against her back. His words were a whisper in her ear.

"Now, do what you did in the tub. Stretch out… just like lying in bed. Relax. Let the water hold you."

This time he didn't have to position her arms. She let them drift outward on the gently undulating water, like wings. And her head came to rest quite naturally in the curve of his neck. Once again his hands were on her waist, lifting, but now the water was cold and his hands were warm, and there was no confusing the two. She felt his body come up against her back and align itself under hers, and she knew beyond any doubt that it was his body that supported her, not the water. She felt her hair fan out around her shoulders and tickle her skin with a feather's touch. Zack's chin was a solid, raspy pressure against her temple, her anchor and her security. She could have drifted like that forever.

Her legs settled slowly downward, until they tangled with Zack's hard, masculine ones. She jerked hers upward, but that caused her middle to sink. When her bottom encountered an approximately corresponding section of his anatomy, she panicked, and floundered to an upright position. Zack's arms came around her and held her tightly against him.

"Take it easy," he said tersely against her ear. "It's okay."

"I'm all right," she said irritably. "I'm fine." She didn't tell him that it wasn't the water that had precipitated her panic. She tilted her head forward so that his lips were touching her hair, and not the supersensitive shell of her ear. She felt his mouth move briefly down along the lines of her neck. Then he put his hands on her shoulders and stood back, separating himself from her.

"Good job. You did great." His voice sounded strange, oddly garbled. "And that's enough for one day, I think."

Maddy thought so too. She felt shaky, and again knew it had very little to do with her fear of water. In fact, she'd hardly thought about her fear at all.

Quite suddenly, she didn't want to look at Zack. She was vibrantly, electrifyingly aware of him with every nerve and sense she possessed, and was afraid he would see it in her face if she looked at him. Dammit, it was his fault. In fact, he'd done it deliberately, showing her the "sensual properties of water"! The trouble was, how did she turn her senses off now that she was out of the water?

He gave her his hand to guide her up the pool steps. His hand was firm and strong, and she was sorry when he released her and bent to pick up two beach towels from the deck. As he tossed her one, she noticed that he didn't seem eager to meet her eyes, either. He was wearing that same perplexed frown she'd seen on his face the day she'd appeared by mistake in his swim class. She was just beginning to feel as shy and awkward as she had then, when he suddenly looked full at her and smiled. To Maddy, it was as if someone had turned on a high-powered heat lamp.