Regency Surrender: Debts Reclaimed. Georgie Lee

his scrutiny pulling her back into the mire. ‘Miss Townsend.’

      ‘Shh...’ Laura gestured to silence him, then caught sight of her dirty fingernails and lowered her hand as fast as she’d raised it. ‘I must ask you to speak quietly. My mother is resting. She slept poorly last night and every night before.’

      He nodded and removed his hat, holding it against his left side. ‘Miss Townsend, I’ve come to speak to you about a business proposal.’

      She twisted the rag tight between her hands. ‘You’ve come to accept my offer? You found a way to retrieve the cotton bolt and return it to me?’

      ‘No. As I told you, it is no longer in my possession.’

      ‘But—’

      He raised a silencing hand. ‘Mr Townsend knew the consequences when he took my money and he will pay them. He is no longer my concern or yours.’

      She perched one fist on her hip. ‘Then what is our concern?’

      He shifted the hat to his other hand so it rested against his right thigh instead of his left. If she thought the man capable of emotion, she might say he was nervous. ‘You managed your father’s draper business before Mr Townsend assumed control?’

      ‘Before my uncle stole it from us,’ she corrected, more curious than cautious.

      ‘You kept accounts, inventory, credit?’

      ‘I did.’ She didn’t hide her pride. ‘My father thought it better for me to learn the business than attend a lady’s school.’

      ‘I know by the speed at which you comprehended the agreement that you can read and understand contracts and your business plan indicates you can write.’

      ‘A fine hand.’ She wondered where this line of questioning was leading. Maybe he’d taken pity on her and come to offer work. She smoothed one hand over her hair, wishing he’d given her some notice and a chance to make herself more presentable.

      ‘And you are well, your mother’s illness does not extend to you?’

      ‘I am very hearty, thank you. My mother broke her leg a few years ago and, though it healed, she’s afflicted with rheumatism. It’s nothing food and heat wouldn’t ease, but since we have neither, she suffers.’

      His eyes dropped down, covering the length of her in a heartbeat before his head rose a touch as though appraising her collateral. She couldn’t imagine what he saw since she wore no jewellery and her dress was too old to be of much value to even a secondhand-clothes merchant. ‘There is no one, apart from your mother and Mr Townsend, to make a claim on you?’

      Worry coiled inside her, fuelled by the memory of him parading before her naked without shame. ‘If you’ve come to make an immodest proposal, you can leave.’

      ‘There’s nothing untoward in what I’m about to suggest, Miss Townsend. After a great deal of thought, I have another venture which might interest you.’

      From the next room, her mother coughed and Laura tensed, waiting to see if she settled back to sleep or awoke. Hopefully she’d sleep. She needed the rest as much as she needed a decent meal and a proper pelisse to keep out the cold. Eyeing the moneylender, her dread increased. Even if he made her an indecent offer, she couldn’t afford to refuse it. With the business lost, there were only more horrors waiting for her and her mother out on the street. ‘I’m listening, Mr Rathbone.’

      * * *

      Philip shifted his hat to his other hand. From somewhere outside he heard the cry of an infant. It sounded too much like the way Thomas had wailed in the nurse’s arms while Philip had held Arabella in his, clutching her to him as her life had slipped away.

      He set the hat down on the table. This transaction had nothing to do with the past, but the more pressing needs of the present. ‘A year ago, I lost my wife in childbirth. I’m in need of the services of a woman with your skills.’

      Her brow scrunched down over her straight nose. ‘You mean as a nurse?’

      ‘No, as a wife.’

      ‘A wife?’ Her jaw dropped open before she pulled it closed, her eyes wider than when he’d snatched the pistol from her.

      ‘I assume you’re not already married.’

      ‘No, but—’

      ‘And you have no suitors?’

      ‘Unless you consider the drunk who sits in the doorway and pesters me whenever I come and go, no.’

      ‘Good. At present, I employ a capable nurse for my son, but she is leaving at the end of the month. I think it preferable for family to see to the welfare of a child. My sister is thirteen and too young for such things. She is also in need of a guiding hand. She will soon be faced with suitors and I don’t have aunts or cousins on whom I may call to assist her.’

      ‘And my mother?’

      ‘I will see to her welfare and care.’

      ‘By placing her in a home with some ill-mannered nurse?’

      ‘She will have a suitable room in my house and a proper maid to attend her. You will learn my business and help me manage it.’

      She continued to stare at him as if he’d suggested she be presented to the king. ‘I nearly killed you and you wish to trust me with your son and business?’

      Her reservations needled him. He’d reviewed the facts last night and they made sense. There was no room for doubt. He pressed on. ‘You were never a threat to me.’

      A tiny curve appeared at the corner of her mouth and he couldn’t tell if she was going to smile or frown. ‘How do you know I won’t steal from you and run off?’

      ‘Not likely with your mother residing under my roof.’

      ‘There is truth in that.’ She uncrossed her arms, the crease beside her lips growing deeper as she silently considered the merits of his offer as any wise client might contemplate the terms of a loan. ‘Why me? Why marriage?’

      ‘In my experience, a wife is a better business partner than any other as her interests are my interests. As to why you, you seem a quick wit, except where firearms are concerned.’ Her crease deepened into a disapproving frown but he didn’t let it deter or distract him. ‘Your brazen act the other night demonstrated a degree of courage and strength.’

      ‘Some might call it rash and reckless.’

      ‘It was, but your plans for the fabric demonstrated an innate sensibility and intelligence. Your prior experience in your father’s shop is an asset. Your reason for breaking into my house was to protect your mother. That demonstrates a proper degree of concern for those in your care. I have no doubt you can transfer such regard to my sister and son.’

      Her brow rose a touch in surprise. ‘I have never heard my attributes stated in such a plain way. I’m not sure if I should thank you or chide you for insulting me.’

      ‘I meant it as a compliment.’

      She nodded her thanks. ‘You may find me a poor partner. I know nothing of moneylending.’

      ‘You will learn so that if anything happens to me, you will know how to successfully carry on until our son reaches an age where he is able to assume control of the business.’

      ‘Our son?’

      ‘He will soon be as much yours as mine, and others will follow. I assume your courses are as they should be.’

      She crossed her arms again. ‘I beg your pardon.’

      ‘We’re making a bargain and, in such deals, we must be frank with one another.’

      ‘They are as they should be.’ No blush spread over her pale skin as her eyes dipped down the length of him, pausing near his hips before rising again to meet his gaze. ‘Is