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An older woman stood in front of a lone teller. Otherwise, there didn’t seem to be any other customers. Michelle glanced around at the offices lining the walls, then walked toward the one with Ellen’s name stenciled on a wood-and-glass door.
She knocked on the open door.
Ellen looked up, then smiled and stood. “Michelle, thanks so much for coming in. How are you?”
“Fine, thanks.”
She did her best not to limp as she entered the small space. Her T-shirt and cargo pants had seemed fine back at the inn, but here, with Ellen, she felt underdressed and grubby.
The other woman was as thin as she’d been back in high school. Long blond hair hung past her shoulders. Hazel eyes were framed with discreet makeup. Pearls, probably real, sat on top of a light green twin set. Low heels and a black knee-length pencil skirt completely Ellen’s “I’m a banker, trust me” look.
As Michelle took the offered seat, she tried to remember if she’d bothered to comb her hair that morning. She’d showered, so she was clean, but her lone concession to grooming had been to brush her teeth.
“I was so sorry to hear about your mother,” Ellen said gently, waiting until Michelle sat before resuming her place behind her desk and leaning forward. “It must have been difficult for you. I heard you’d been injured around the same time. It’s not fair, is it?”
“No, it’s not.”
Ellen sighed. “The loss and being hurt. Now this.” She motioned to the slim file on her desk.
Michelle stared at the closed folder. “What do you mean?”
The other woman pressed her lips together, as if considering her words. “Have you had a chance to go through the finances of the inn?”
Michelle regretted leaving the vodka bottle in her motel room. Right now a drink seemed like a smart move. “No. I’d only been in a few minutes when you called.”
“Then let me bring you up to speed.” She opened the file. “I really hate to be the one to tell you about this. I wish it could wait.” She paused.
Michelle felt the familiar sensation of something crawling on her skin. “Just say whatever it is.”
“The inn is in trouble. If it were up to me, we wouldn’t be having this conversation. I know you just got home and need time to readjust, but we have a loan advisory board. The new regulations are so strict. Back in the day I’d have more control. I’m so sorry.”
Maybe it was a lack of sleep, but Michelle would swear the other woman had just given an explanation that hadn’t made anything more clear.
“What are you talking about?”
“The loans on the inn. There are two mortgages, both delinquent. I’m afraid we’re talking about foreclosure.”
Michelle shot to her feet, ignored the stabbing agony in her hips. “What? That’s not possible. How can you say that?”
“I’m afraid I can say it because it’s the truth. The last three payments were made on time, but they were only for current amounts. There are months of back payments on both mortgages. With penalties and interest.”
Michelle sank back into the chair. The pain in her hip radiated out like light from the sun. It burned through her, making it difficult to concentrate.
“We own the inn outright. Maybe my mom took out a loan to pay for the renovations, but how much can it be?”
Ellen handed her a single sheet of paper with two loan balances. They totaled nearly half a million dollars. The amount in arrears was nearly thirty thousand.
Michelle dropped the paper on the desk and sucked in air. This wasn’t happening. It couldn’t be. Not even her mother would be so irresponsible.
“I think most of the money went into renovations,” Ellen said gently. “Not to speak ill of the dead, but Brenda spent money more easily than she should have. The first mortgage payments were often late. When she approached me about a second mortgage, I wasn’t sure I could get it through the committee. I really had to convince them to give her the loan.” She sighed. “Which makes this mess partially my fault. From your reaction, I’m guessing you didn’t know.”
“No. She never said anything. The inn was held in trust until I was twenty-five. By then, I was gone and she continued to run things.” Into the ground, she thought bitterly, wondering how much of the money she’d blown on things for herself. Clothes and jewelry. New cars.
She couldn’t believe it, couldn’t take it all in. Once she’d seen the renovations, she’d thought there might be a few bills to deal with, but nothing like this.
“What happens now?” she asked.
“That depends on you. This business has been in your family for a long time. Letting it go will be difficult.”
“I’m not selling.”
“You don’t have a choice,” Ellen said, her voice sympathetic. “The back payments are problematic. I know Brenda kept up the insurance, but there may also be back taxes. Even with the summer tourists coming, you won’t make a dent in what’s owed. If you funnel all the money into what’s overdue, how will you survive the winter? It’s prime property. I’ve been approached by several interested parties. You could walk away with a lot of money, Michelle. Start over somewhere else.”
“No.” The word came instinctively. “No, I won’t sell. There has to be another way. I have money.”
“Half a million dollars?”
“Of course not, but don’t I just have to get the loan current and then keep making payments? I have savings. I didn’t spend much of my salary and there are bonuses for overseas deployments.”
Her instinct was to offer all that she had, but she held back. After all, there might be other pressing bills. The income or property taxes Ellen had mentioned or vendors who couldn’t be put off.
She started to stand, but forced herself to stay seated. She knew that once she stood she would bolt, running until all this was behind her. And then what? She would have to come back. Better to just get it over with.
“I can pay at least half the back mortgages amounts by tomorrow. Maybe more. I have to figure things out.” She scooted to the front of her chair and stared at the other woman. “Come on. You said it yourself. I’ve been off protecting our country. That has to count for something.” Complete crap, she thought. But possibly useful crap.
Ellen sighed. “I would love to say yes. I’m on your side, Michelle. You have to believe me. These new rules are so frustrating. I know what you’re capable of. But it’s not just about the money.”
“What else is there?”
“Management of the inn.”
“I’ll be running things.”
“That’s what the committee is afraid of.”
“What? I know what I’m doing. I’ve worked there for years. In high school, I took care of everything. You know that. I never went out with my friends or played sports or anything. After high school I worked full-time at the inn.” Unfairness made her want to throw something. “Dammit, I got my degree in hotel management while I was gone. I know how to manage the inn.”
Ellen nodded. “I know. I agree completely. I remember how you’d always be working during school.” Her mouth twisted into a smile. “My mother used you as an example for Miles and me. How you were so responsible and we weren’t. It was a little annoying.”
“So why doesn’t that count?”
“It does, with me. Not with the committee. Brenda was required to come in for quarterly meetings. She talked about Carly. How Carly took care of things. How the inn wouldn’t survive without Carly. Unfortunately, they believed her. Since your mother passed, Carly’s been paying the bills.”
The hits kept on coming, Michelle thought bitterly. “You’re saying they would trust Carly over me? She can’t even use the computer. She’s—” Michelle swallowed the rest of what she wanted to say. Ranting wouldn’t help her case.
“I know you and Carly have a difficult past.”
Difficult didn’t begin to describe it. “So the committee, whoever they are, doesn’t trust me, but if Carly runs things, then I have a shot at keeping the inn?”
Ellen nodded. “Unfortunately, yes. I had a feeling you wouldn’t want to sell. They didn’t believe me, but then they’re not one of us. I consider you a friend. The last thing I want is another local business shut down. I’m tired of outsiders running things around here. I pleaded your case last week and they’ve agreed to the following concessions.”
She handed Michelle another piece of paper.
The list was short. The back payments had to be made within sixty days. All accounts with vendors had to be current by the end of the month. The inn had to maintain an eighty-five-percent occupancy rate through the summer, pass all inspections and stay current on the mortgage payments. The last item on the list was the one that made her hip ache the worst.
Carly Williams was to agree to stay on for at least two years.
“I’m sorry,” Ellen said. “It’s the best I could do. I know how you feel about her. I have to admit, I’m not her biggest fan, either. She took advantage of you being gone and she used your mom. She’s even wearing her jewelry. It’s awful.”
Ten years in the army had taught her to follow orders, whether or not they made sense or she wanted to. She could argue, she could scream, but unless there was a winning lottery ticket worth half a million dollars in a drawer in her desk back in her office at the inn, she was screwed.
“I’m not losing the inn,” she said. “My dad might have been a first-class bastard, but he left it to me and I’m going to keep it. I’ll do what I have to.”
“You can have a couple of days to think about it,” Ellen told her. “There’s still the interested buyer.”
“I don’t have to think about it. I’ll do it. I’ll do all of it.”
“Even work with Carly?”
“Sure.”
“It’ll be difficult.”
“You have no idea.”
Six
The Shop at Blackberry Island Inn was one of Carly’s favorite places. The space had been added nearly two years ago and was slowly building a loyal customer base. Big windows allowed in light, even on the gloomiest days, while the custom shelves and racks provided plenty of display space.
The store sold the usual kitschy island mementos—magnets, mugs and key chains done in both blackberry and daisy motifs. But there was also a section devoted to local artists and a display of unique china. Brenda had insisted on a doll collection, which Carly didn’t love. They’d both chosen the books of island history and pictures.
Mornings were often slow at the shop, but the lunch crowd at the restaurant brought in customers. Carly used the quiet time to dust, check inventory and organize invoices. After getting Gabby off to school, she manned the front desk of the inn, checking out guests and making sure the cleaning staff was ready to go. In the late morning, she would return to the front desk to check in those arriving, handle correspondence and talk to vendors. The couple of hours she spent in the store a few times a week were as close to “me time” as she ever got.
Today she walked through the store, stopping to touch her favorite pieces, aware she was telling them she might be gone soon. As if the carving of an orca breaching and surrounded by spray would miss her.
The front door opened and the attached bell tinkled. She turned and saw Leonard Daniels walking toward her.
“Hi, Carly.”
“Morning, Leonard.”
Leonard was their resident ornithologist, specializing in the Puget Sound crane. He was here on a grant that paid for his room at the inn. They generally had two or three scientists at any one time.
Tall and thin, with dark-rimmed glasses and pale skin, despite his time outdoors, Leonard personified the phrase “geeky scientist.” He favored plaid and khakis, inevitably had binoculars around his neck and a small netbook computer under one arm.
He crossed to her, his gait more energetic than usual. “We have eggs.”
She knew enough to understand he didn’t mean the breakfast variety. “Already?”
He nodded. “Two in the first nest I found and one in the other. Within a week I’ll have enough data to determine a potential chick population.” His dark eyes brightened with excitement. “I’m hoping this is the third growth year. If it is, then we can finally look at taking the cranes off the endangered list.”
He paused, as if expecting her to share his joy.
“That’s great, Leonard.”
“I know. We should celebrate.”
“It’s kind of early in the day.”
He pushed up his glasses, then looked at his watch. “Oh, right. Okay. I’m going back to work.”
He left the store.
She watched him go, hoping he wasn’t going to try to change the nature of their relationship. He was a paying guest and she’d always been friendly to him but the last thing she wanted in her life was a man. Men were trouble. It had taken her a while to figure that out but she wasn’t going to forget the lesson now.
There hadn’t been anyone in her life since Allen had abandoned her. Over ten years. Sure, it would be great to have hot sex with a guy, but aside from that, she didn’t need the aggravation.
She turned back to mental inventory, only to have Wendy, one of the servers, come in. Wendy worked the breakfast shift at the restaurant. She had three kids and a husband who worked nights. He got the kids off to school when he got home from his job and she took over until he got up in the late afternoon. They spent their evenings together, before he left and she went to bed.
Wendy was reliable and the guests liked her—which made her someone Carly didn’t want to lose.
“What’s up?” she asked.
Wendy wrinkled her nose. “Damaris got in my face this morning, which I can handle, but she came out and yelled at one of the customers, which I didn’t like. Jeez, what’s up with her? She gets in these moods. The guy wanted an egg-white omelet. She told him no special orders. When he said it was for his heart, she told him that his being fat wasn’t her fault.”
Carly felt her mouth drop open. “Please say you’re kidding.”
“I wish I were. Most of the time she’s fine, but every now and then she gets in a mood and takes it out on customers. You’ll talk to her?”
Carly wanted to say no. This was the sort of thing Brenda handled. The other woman had actually enjoyed taking Damaris on. If it had been up to Carly, Damaris would have been let go years ago. Firing the temperamental cook had been on her to-do list, just as soon as she got her shares of the inn. Now she wasn’t sure if she had a job, let alone the authority to fire anyone.
“I’ll talk to her,” she said, knowing she owed that to Wendy.
“Thanks. I’m heading home. Have a good one.”
“You, too.”
Carly had nearly an hour to fume and worry before Ann showed up to work in the gift shop. Not sure what she was going to say, she walked through the inn to the restaurant kitchen. Damaris sat on a stool, her cell phone to her ear. When she saw Carly, she frowned before saying she had to hang up.
“You know he was a big, fat guy. Do you think one egg-white omelet is going to make a difference?”
So much for idle chitchat, Carly thought. “He’s a customer.”
“The customer isn’t always right. Most of the time the customer doesn’t know what he’s talking about. I made the omelet. I didn’t want to, but I did.”
“Your job is to cook their food. Being rude and critical doesn’t help our business.”
“Our business?” Damaris raised her eyebrows. “It’s Michelle’s business, not yours.”
