Sarah Colby always believed she'd recognize her one true love from his very first kiss. It had been true for her parents, so why not her? Sarah also understands gambling. The daughter of a horse trainer, she'd spent her early years living the vagabond life around horse tracks. But now she's ready for the biggest gamble of her life when her friends and her matchmaking aunt encourage her to go after a sexy bachelor with an aversion to settling down. Wealthy Bluegrass chef Lane Williams is finished taking care of other people. He's spent his youth providing for his younger siblings. Now that they're out on their own, it's Lane's turn to relish his new freedom. Clearly, the sexy young woman who knocked his world sideways with just one kiss spells trouble to those plans. But as the two work together to pull off a Kentucky Derby party for charity, Lane finds himself susceptible to Sarah's charms...and much, much more. How was he to know she was a virgin, especially when she was the one who seduced him? But sometimes a gamble pays off, especially when betting on love...