Ginny Stowe spent years tending a childhood hurt that dictated her college study and work. Can time with an island visitor with ties to her past heal lingering wounds and lead her toward a happy Christmas ... and more? Ben Daniels intends to hire a new branch manager for a Hatteras Island bank, then hurry back to his promotion and Christmas in Charlotte. Spending time with a beautiful local, however, might force him to adjust his sails.