Carlton Reef wanted a bride — and Katie needed the money! His proposal was outrageous, but simple. He would pay her family's debts if Katie would agree to become his wife. But what possible reason could this ruthless, sexy bachelor have for wanting sweet, gentle Katie? She didn't trust him — yet she had no choice. Marriage was the only solution. But did Carlton intend to be a husband in name only, or did he expect Katie to honour their wedding bargain by sharing his bed?