By all appearances, Matt Hagen is a disheveled vagrant. But the rugged outdoorsman, who also happens to be a successful businessman, turns Annie Seaton's well-ordered world on its head when he rents a room in her house. Annie relies on proud practicality -- not on any man -- to survive financial uncertainty and lonely nights. But with unerring instinct, Matt senses her unspoken needs and sets out to fill them. Perversely arrogant one moment, and persuasively charming the next, Matt seems determined to win Annie's trust. But how can she open herself to a man who demands so much -- yet promises so little?