When librarian Nelly Foster shows up on Tag McCloud's doorstep on her thirtieth birthday, the cowboy knows exactly what she's come for. Prissy, stubborn and downright irresistible Nelly is finally taking him up on the bet he made her years ago—to relieve her of her unwanted virginity. Nelly can't believe she's finally cashing in her chips. But no man has ever gotten under her skin the way irritating and too-charming-for-his-own-good Tag does. Ever since he pulled her pigtails in school, she's hated him...but he's still the only cowboy she wants. And one earth-shattering night in Tag's arms has Nelly realizing they are bound together by something much more intense...and impossible to walk away from!