"Yes, I most certainly did speak to her."

"That must have been tricky."

"No, not at all."

"According to the date you wrote, you spoke to my mother three weeks after she died." Kate lost her composure then. "My mother was dying, and you knew it. She came to you for a loan to help her pay her medical bills. You saw an opportunity, and you took it. You hooked her up with Tucker Simmons and his wife, and the three of you had it all worked out."

"Did you think Kate would just roll over and accept it?" Kiera asked.

"Or did you think that by the time she figured it out and realized what you had done, it would be too late?" Isabel added. "Shame on you," she railed. "Our mother would never have jeopardized Kate's company. Never."

"How many others have you fleeced?" Kate asked.

"Don't worry, Kate. I'll find out," Drummond said.

"If I lose my job because of these false accusations-" Wallace began.

Drummond interrupted him. "I doubt you'll be able to do your job from jail."

"Tucker, take me home. Now," Randy pleaded.

"Oh, I don't think you'll be going home just yet," Drummond told her. "The prosecuting attorney has been busy all morning reading the evidence. I think he's going to have a few things to say about conspiracy charges first. Why don't you all come down to the station with me?"

Drummond herded the unhappy suspects out of the bank.

Once the office was quiet, Mr. Radcliffe turned to Kate. "I assure you the bank will give Chief Drummond its full cooperation in the investigation. We are also prepared to accept payment of your mother's loan with another loan-an unsecured loan. If you'll drop by the bank tomorrow, I'll have the papers drawn up."

"Thank you," Kate said.

"No, it is I who should thank you," he answered. "First National Bank is honored that you've chosen us-under Anderson Smith's supervision, of course-to hold the funds for the charitable trust."

Kate and her sisters were smiling when they left the bank. The second they stepped outside, Isabel started laughing. "You just took out a loan and gave away millions of dollars. You wouldn't use any of your inheritance to pay Mom's loan."

"She wouldn't have wanted me to," Kate explained.

"What am I going to do with land in Scotland?" Isabel asked.

"After you graduate, go see it, and then decide."

"What about you, Kiera? What will you do with the bonds you received?"

Kiera shrugged. "I'm not sure yet, but whatever I decide, it will have Mom's name on it."

They stood outside Kiera's car and waited while she dug through her purse for her keys.

"Hey, guess what?" Isabel said. "I heard the funniest news. Reece Crowell is engaged. Some European girl, I think."

"Poor girl," Kiera said.

"Hurry up and find the key," Kate urged. "Dylan is coming this afternoon."

"Have you set the wedding date, and am I in the wedding?" Isabel asked.

"No, we haven't set the date, and yes, you're in the wedding."

"I knew you were destined to marry Dylan."

"Because you're so smart about men," Kiera said. She found the keys, and they were soon on their way home.

"I am smart about men," Isabel insisted.

"You wanted me to go out with Nate Hallinger," Kate reminded. "How smart was that?"

"I offered that man a beverage." Isabel was outraged.

Kate stopped paying attention to her sisters' conversation when they pulled into their driveway. She saw Dylan standing on the porch waiting for her. His flight must have been early. Excitement surged through her.

Giving away millions of dollars and taking out a huge loan seemed inconsequential now.

Dylan waved to her and smiled.

She had it all.