"Why not?"

"That will become evident when you read the note."

Squinting in the poor light, he did so. "This appears to be legal." He read it again, then looked up. "The investment is certainly large and, given it is speculative, therefore constitutes a very great risk. If the company had not been fully investigated and appropriately vouched for, then the investment was certainly unwise. I do not, however, see your problem."

"The problem lies in the fact that the amount promised is considerably more than the present total worth of the earldom."

Gabriel looked again at the amount written on the note and swiftly recalculated, but he hadn't misread. "If this sum will clean out the earldom's coffers, then…"

"Precisely," the countess said with the decisiveness that seemed characteristic. "I mentioned that my husband was fond of speculating. The family has for more than a decade existed on the very brink of financial ruin, from before I married into it. After our marriage, I discovered the truth. After that, I oversaw all financial matters. Between us, my husband's agent and I were able to hold things together and keep the family's head above water."

Her voice hardened in a vain attempt to hide her vulnerability. "That note, however, would be the end. Our problem in a nutshell is that the note does indeed appear legal, in which case, if it is executed and the money called in, the family will be bankrupt."

"Which is why you don't wish me to know your name."

"You know the haut ton-we move in the same circles. If any hint of our financial straits, even leaving aside the threat of the note, was to become common knowledge, the family would be socially ruined. The children would never be able to take their rightful places in our world."

The call to arms was a physical tug. Gabriel shifted. "Children. You mentioned Charles, the youthful earl. What others?"

She hesitated, then said, "There are two girls, Maria and Alicia-we're in town now because they're to be presented. I've saved for years so they could have their come-outs…" Her voice suspended. After a moment, she continued, "And there are two others still in the schoolroom, and an older cousin, Seraphina; she's part of the family, too."