Harrison Metcalf, the newly appointed Earl of Everly, has only ever been in love with Margaret Reedy, his uncle's widow. When she marries another, and he is once again alone, he decides the cost of love is far too steep to hazard again. Alas, duty calls, and he is required to procure a wife and secure the line. He will fulfill his obligation, but he could never knowingly marry someone who requires love.

Phoebe Kent would happily trade beekeeping for the uncomfortable noise and the press of bodies the social season requires. But with her parents' fear of spinsterhood, she knows marriage is a must. If only she could approach her inevitable union in the straightforward way one does a business deal.

With an agreement made, and a contract written, Harrison and Phee embark on the beneficial bargain that is to be their marriage. They never fathomed that nightly card games and pesky kittens would be a surefire path to flirting. Contract modifications are made as a touch becomes a kiss, and a kiss becomes a night, and the two settle into their new life as husband and wife. But can their burgeoning love prevail when it was never part of the plan?