Cynthia, daughter of the Earl of Ballymere, is as cold as she is lovely. But Derrick Whittaker is different from the suitors she has turned away-he has already held her in his arms and felt the passion between them. He knows that true wealth lies in love-and he was rich beyond his wildest dreams for that one fleeting moment... But sometimes the heavens grant lost love a second chance...and even the coldest hearts can thaw beneath the warm light of a lucky star.