The Charm Offensive. Cari Lynn Webb

the best return on our money.”

      Beth offered another quick twitch of a grin. The twitch of a person who recognized a lie.

      Sophie continued, “It was certainly thoughtful of him to move the money to a higher-yield bond.”

      The only bond Sophie’s father knew was a jail bond. Had he taken the money to avoid prison? He’d never mentioned jail when he’d called for his weekly catch-up with Ella two nights ago. He’d mentioned a plan to Sophie.

      But her father always had a plan. Always some new scheme in the works. That was nothing new. He’d told Sophie not to worry. But she always worried. And he’d told Sophie not to panic. Too late for that.

      If only Sophie hadn’t been distracted by an eighty-pound poodle petrified by bathwater, she might’ve asked more questions about her father’s latest scheme. Then she might’ve been able to squelch the fear curdling up through her now. Sophie squeezed her leg. “Who doesn’t want more money these days, right?”

      Beth kept up her rapid typing. The hard strike of each finger against the key seemed to punctuate every lie Sophie uttered. “We offer some of the best rates in the city.” Beth pushed a receipt across the desk. “It’s unfortunate your father didn’t meet with me. I could’ve helped him.”

      It was unfortunate her father hadn’t spoken to anyone, mainly Sophie. It was unfortunate that Sophie had believed her money had been secure. It was unfortunate her father excelled at finding loopholes and using them to his advantage. He’d just never used Sophie as his advantage before.

      Until now.

      Beth removed her glasses and considered Sophie. “I certainly hope your father didn’t lock up the funds for a certain period of time given your balloon payment is due in less than four weeks.”

      Sophie stretched her dry lips. “There’s one thing my father knows and that’s money.”

      Her father knew how to invest in business ventures that stretched the legal limits, use small loans to place bets at racetracks and make timely deposits into slot machines in Reno.

      But Sophie would not lose their home or her business. She’d been homeless at Ella’s age. No child should experience that depth of fear, especially her niece, who faced every day with courage and a smile. Without Ella’s smile, Sophie just might forget to smile herself. And if that happened, Sophie feared she might lose more than their home. She just might lose herself.

      Sophie pushed out of the chair. She had to get outside. She needed to find more air. She needed to find something to stop the buzzing in her head. She needed to find her father. “I’ll have the money for the loan payment by the end of the month.”

      “I’ll be here when you’re ready to make that payment.” Beth smiled and swiveled her chair toward her computer. “Enjoy the rest of your day, Ms. Callahan.”

      Outside, Sophie leaned against the stone wall of Pacific Bank and Trust. Damp, cold air stuck to her cheeks like blistering hand slaps. Stoplights flashed in the thick fog, dull yellow flares of criticism and condemnation and failure. Even the pigeons nesting up inside the Pacific Bank and Trust sign never cooed, as if already aware she couldn’t afford to waste even one crumb.

      Sophie searched the silver mist that had spilled into the city after yesterday’s winter storm, seeking the silent romance of the fog she usually loved. But only a dull grayness blanketed the streets. In front of her, a bus hissed to a stop. Its electric lines sparked and its brakes wheezed an acrid, bitter scent as its occupants spewed onto the sidewalk and scattered like bees from a harassed hive.

      Cell phones chimed, coffee splattered the cement, paper bags with morning breakfast muffins crumbled as late workers rushed to their high-rise cubicles and corner offices. Inside the fog, the city pulsed, reminding Sophie that she was an adult and no longer ten years old, shivering and hungry in a one-room apartment with only her sister, who was just a year older than she was. Two little girls confused and scared and all because of George and Cindy Callahan.

      How dare her father try to thrust her back into her past. She’d overcome her childhood with persistence and will and guts. He’d not put her back there.

      She pushed away from the wall and strode along the sidewalk, stretching her legs into a run. Each smack of her running shoe on the concrete dislodged her panic and organized her thoughts, enough to quiet the frantic little girl that screamed inside her.

      Her father had to be in some kind of trouble to take that much money. He knew what the funds were for. If he’d only told Sophie, she’d have helped him. He was her father. That’s what good daughters did, even when their fathers weren’t always good.

      At the fourth block, she pulled out her cell phone and left her father a lengthy voice mail, pleading with him to call her. By the sixth block, she’d slowed to a fast walk and sent him four texts: two pleas, one appeal and one demand.

      Eleven blocks later, standing outside the Pampered Pooch, Sophie wiped her forehead with the sleeve of her sweatshirt and checked her phone. No response.

      Silence was nothing new from George Callahan. Her father had always drifted in and out of Sophie’s life. The length of his stays had increased the last few years and he always surfaced eventually. Yet this time, Sophie couldn’t wait. She had to find him and her money and soon.

      For now though she had a business to run and a niece to get to school.

      The bells chimed on the door. Sophie stepped inside, leaving that frightened little girl from years past outside on the sidewalk. Inside these walls, Sophie Callahan was a confident small-business owner and capable caretaker. There was simply no room for anything else, like doubt or nerves.

      Sophie flipped the sign in the window to Open and greeted April, one of her three employees, the one who managed to be both her most reliable and most scattered employee in the same week. Sophie never quite knew which April would show up on any given workday. But even April not at her best was better than no one at all. “Did you get some sleep last night?”

      April waddled over to settle on the stool behind the counter. A bandanna corralled her unruly burst of wild burnt-copper curls, and a tie-dyed sweatshirt almost contained her protruding belly. “Barely. The babies kicked all night and my maternity clothes barely fit anymore.”

      “You’re seven-and-a-half months pregnant with twins—I imagine that’s typical.” Sophie used the rolling cart to prop open the swinging door to the back room.

      “So is bed rest,” April muttered.

      “Bed rest?” Sophie gripped, in a bear hug, the fifty-pound bag of dog food she was hefting, needing to squash the kernels of panic popping through her core. “As in ‘you have to stay in bed and can only get out to use the bathroom’ bed rest?”

      “Yes, that kind exactly.” April rolled a paw-print pencil between her fingers, but wasn’t able to hide the misery in her voice.

      Sophie adjusted the bag in her arms and walked down the center aisle, feeling uneasy. Selfishly, she needed April in the store, not in bed. Reliable April was good with customers and calming for the pets, and lately she’d been helping Sophie organize the Paws and Bark Bash. The gala would raise funds for service dog organizations and rescue groups that helped with homeless animals in the Bay Area. Now Sophie had her father to locate. Who’d run the store while Sophie chased down George?

      She dropped the heavy bag on the bent shelf. She’d known April would go on maternity leave; she’d just assumed she’d have more time to prepare. Things were supposed to be different in four weeks when Sophie had paid her debts in full. Instead, all Sophie had was an empty bank account, a missing father and surging panic that’d consume her if she wasn’t careful.

      Sophie glanced over the top shelf at April. Tears filled April’s eyes and slipped down her full cheeks. Sophie rushed to the younger woman, swiping the box of tissues from the far end of the counter. “You have to do what’s best for your babies. It’s going to be fine.”

      Everything