44 Charles Street

Francesca was totally independent and wanted to stay that way. Watching her mother’s life had made her determined never to rely on anyone—and particularly not a man. She was an only child. Her father, Henry Thayer, was no more sensible than her mother. He had been a starving artist for years, a charming flake and a womanizer, until, eleven years ago, he had the incredible good fortune to meet Avery Willis, when he was fifty-four. He had hired her as an attorney to help him with a lawsuit, which she won for him, against an art dealer who had cheated him out of money. She then helped him invest it instead of letting him spend it on women. And with the only genius he had ever shown, in Francesca’s opinion, he had married Avery a year later, she for the first time at fifty, and in ten years she had helped him build a solid fortune, with an investment portfolio and some excellent real estate. She talked him into buying a building in SoHo, where he and Avery still lived and he still painted. They also had a weekend house in Connecticut now. Avery had become his agent and his prices had skyrocketed along with his financial affairs. And for the first time in his life he had been smart enough to be faithful. Henry thought his wife walked on water—he adored her. Other than Francesca’s mother, she was the only woman he’d committed to by marrying her. Avery was as different from Thalia as two women could ever get.

Avery had a respectable career as a lawyer, and never had to be dependent on a man. Her husband was her only client now. She wasn’t glamorous, although she was good-looking, and she was a solid, practical person with an excellent mind. She and Francesca had been crazy about each other from the first time they met. She was old enough to be Francesca’s mother, but didn’t want to be one. She had no children of her own, and until she got married she had the same distrust of marriage that Francesca did. She also had what she referred to as crazy parents. Francesca and her stepmother had been close friends for the last ten years. At sixty, Avery still looked natural and youthful. She was only two years younger than Francesca’s mother, but Thalia was an entirely different breed.

All Thalia wanted now at sixty-two was to find another husband. She was convinced that her sixth would be her final and best one. Francesca wasn’t as sure, and hoped she’d have the brains not to do it again. She was sure that her mother’s determined search for number six had frightened all possible candidates away. It was hard to believe she had been widowed and unmarried for sixteen years now, despite a flurry of affairs. And she was still a pretty woman. Her mother had had five husbands by the time she was forty-five. She always said wistfully that she wished she were fifty again, which she felt would have given her a better chance to find another husband than at the age she was now.

Avery was totally happy just as she was, married to a man she adored, and whose quirks she tolerated with good humor. She had no illusions about how badly behaved her husband had been before her. He had slept with hundreds of women on both coasts and throughout Europe. He liked to say he’d been a “bad boy” before he met Avery, and Francesca knew how right he was. He had been bad, in terms of how irresponsible he had been, and a lousy husband and father, and he would be a “boy” till the day he died, even if he lived to be ninety. Her father was a child, despite his enormous artistic talent, and her mother wasn’t much better, only she didn’t have the talent.

Avery was the only sensible person in Francesca’s life, with both feet on the ground. And she had been a huge blessing to Francesca’s father, and to her as well. She wanted Avery’s advice now, but hadn’t had the guts to call her yet either. It was so hard admitting she had failed on every front. In her relationship, and in her struggling business, particularly if she had to close it or sell it. She couldn’t even keep the house she loved on Charles Street unless she could find the money to pay Todd. And how the hell was she going to do that? Bottom line, she just didn’t have the money. And even Avery couldn’t work magic with that.

Francesca finally turned off the light in her office next to her bedroom. She started to head downstairs to the kitchen to make a cup of warm milk to help her sleep, and as she did, she heard a persistent dripping sound, and saw that there was a small leak coming from the skylight. The water was hitting the banister and running slowly down it. It was a leak they’d had before, which Todd had tried to fix several times, but it had started again in the hard November rains, and he wasn’t there that night to fix it. He kept telling her that she’d never be able to maintain the house by herself, and maybe he was right. But she wanted to try. She didn’t care if the roof leaked, or the house came down around her. Whatever it took, whatever she had to do, Francesca wasn’t ready to give up.