She is a softhearted Baltimore heiress...

Lovely but disastrously tenderhearted Diamond Wingate has terrible trouble saying "No": to the poor and unfortunate who beg at her gates; to entrepreneurs with big plans and no money; and worse, to the silver-tongued young men who line up to propose marriage. So far she has managed to keep her three fiancés a secret, insisting she cannot marry until she turns twenty-three. But her birthday—and disaster—are looming....

He is a hardheaded Westerner...

Rugged, independent "Bear" McQuaid has never taken a dime he didn't earn by his own hard work. But now his dream of building a railroad, so close to coming true, is about to collapse from lack of funds. Approaching Baltimore's infamous "soft touch," he learns she has other assets as well: a delicate, strawberry blond beauty and shining intelligence—and a fascination for the romance of the railroad. Then Bear uncovers Diamond's embarrassment of riches in fiancés as well as money and charms. Now he must make a choice: finance his dream through a little genteel blackmail, or do it the hard way...by falling in love.