Penny Branch is stunned to learn that her father has disappeared--and with him, millions of dollars stolen from his bank, his customers and even his family! But even worse is the fact that Penny's soon-to-be ex-husband, bank executive Craig Lockhart, is the one who turned her father in.... Now the Branches face destitution. Penny's twin brothers-- drivers in the NASCAR NEXTEL Cup Series--will lose their sponsorships, and their mother may be forced to declare bankruptcy. But how can she fault Craig for his betrayal? Especially when Penny has a secret of her own...and she would rather end her marriage to Craig than have him discover the truth!