A Christmas Miracle

“If they do. If I keep starting over with a new loan, I’ll never be able to retire.”

Jason laughed, but then hoped she meant it as a joke.

She took the saucepan back to the sink and quickly washed it. “This choice isn’t intuitive.”

She didn’t have much of a choice. Not for the first time, he wished he could make things easier. Not just for her, but mostly for her.

“You’re quiet,” she said.

“I normally make a plan that will allow a business to succeed. By the time the hard decisions start, I’m on to the next job. Maybe this is why I prefer it that way. I don’t like to see your fear or anyone else’s.”

“I understand you have a job you need to do,” she said, “but my mom opened this store when I was a child. We used to make a good living. I’m not sure what’s gone wrong, but I do know that the store saved us from poverty. She scraped together the original money and persuaded suppliers they could trust her. And every year, she made everyone in this town remember how magical the holidays are supposed to be.”

Jason shrugged. He had a vague memory of trying to be asleep for Santa—but that might be from some TV show he’d watched with his nieces and nephews.

“You never waited for Santa?” Fleming asked. “You never tried to make yourself sleep while you listened for sleigh bells on the roof, because someone convinced you he wouldn’t come until you closed your eyes?”

Jason swallowed, uncomfortable with her mind reading. “I guess my family is different than yours. More pragmatic, maybe,” he said. “Bankers, almost every one of us.”

“My mom’s practical. She’s had to be.”

“What about your dad?” Jason grimaced as he expressed an interest he shouldn’t have. “Is he—”

“I don’t know what he is.” She tucked the cocoa and sugar into a cabinet, wiping the counter so hard Jason was surprised she didn’t shave off a layer of stone. “He went out one day for doughnuts, of all things, and never came back.” She shook her head. “Well—he came back in a few years and claimed he wanted to make things right. He just never managed to follow through.”

And this new guy her mom had married? Jason had the good sense not to ask. “I’m sorry, Fleming. None of my business. What’s the opposite of Santa Claus? Because that’s who I am.”

“I believe that man’s name was Scrooge, not Macland. Let’s look at the information you brought me.”

CHAPTER FOUR (#ud9f8e295-b3cb-5612-b5a3-34d995d4522e)

LOOKING AT JASON’S facts and figures, Fleming felt as if she’d ended up at the top of the naughty list. “I’d love to talk to Mr. Paige about why he did this.”

“I’ve talked to him. He has a story about how the bank didn’t set him up with a fair retirement, and he was just providing for his own. Forget about him. You have to concentrate on what you want. Does this store mean as much to you as it did to your mother?”

“Are you suggesting I give it up?” Fleming eyed the numbers on his tablet screen with horror and reached blindly for her hot chocolate. “My mom and I both love that store. I have to find a way to keep it.”

He straightened. “For your mother?”

“For me.” She had a secret she never shared, not even with her mother. Writing. She’d thought she’d have that and the store, and one would feed the other. She’d been making up stories about their customers since she first stood on a step stool behind the counter.

So far her writing hadn’t gone the way she’d dreamed of, but none of her plans included walking away from the store that had been her after-school care, her shelter from the storms of childhood and her summer job each year of college.

It had been her and her mother’s place. Like their home. She couldn’t walk away.

“Fleming?”

“It matters to me, too, but I didn’t actually understand how much business has fallen off this year. How can a shop that caters to Christmas fail in November in a resort town that explodes in population this time of year?”

“Give me a try,” he said. “I’ll help.

She felt sick. “That’s exactly what Mr. Paige said.”

“But Paige was lying. I don’t lie.” Jason dusted his hands on his jeans. “It’s business,” he said. “The fewer loans we lose, the better off we are.”

“I think you’re telling me you’re giving me more time at a slightly lower interest rate, but I’ll still be paying almost the same amount over the life of the loan.”

He nodded. “I want to help you, but I can’t actually take a loss on the arrangement.”

With shaking fingers, Fleming leafed through the pages of notes and compared the figures he’d jotted down to her income and outgoing debt payments. She got up and grabbed her phone off the island to open the calculator and rerun the equations.

Her cheeks flushed, but she ducked her head and tried to let her hair flow over her face. She could almost feel his longing to get out of here, making the whole situation even more humiliating.

“It’s a building,” he said. “Not a person. Not a member of your family.”

“You say that because you haven’t found the place you want to stay. You aren’t tied to a building or people.” Though Fleming didn’t buy that all bankers were that detached.

“I’m asking you to think about this decision, the same way I’ll ask everyone else I have to see. If you take on new terms, you’ll be putting a lot of money and even more time into a place. You can get another job.”

She shook her head stubbornly, trying to see herself anywhere but in Bliss, doing anything else. Except the writing that was her secret joy, the dream she superstitiously feared shattering if she shared it. “This is who I am.”

He sipped his cocoa once, then again, but was so intent on her finances he didn’t seem to notice how much he clearly liked the drink she’d made him. “Have you considered carrying different lines from less expensive suppliers? Your profit margin seems to shrink every year.”

Her hackles rose. “I can’t sell tawdry items. That wouldn’t go over in this town. You don’t know Bliss.”

“You have that right.”

“And even if I were positive you’re in this with our best interests, rather than the bank’s, I can’t afford your consulting fee.” Fleming ran out of breath. “Sorry. Again. I’m sounding rude, but I’m really trying to be careful. This time.”

“I keep trying to make you see the bank won’t survive if its customers fail.” Standing, Jason took his jacket off the back of his chair. “You don’t trust me, and I don’t blame you, but talk to someone you do trust, and let me know what you decide.”

Maybe she could breathe deeply again without him in her house. He picked up his cup and headed toward the sink, but she took it from him. Washing her dishes was absolutely beyond the scope of his job description.

* * *

“YOU’VE BEEN HERE three weeks, Jason. You know people actually choose Bliss as a place to have fun?”

Jason looked over his coffee cup at Lyle. “When there’s snow on the slopes, I assume?”

“They’re making snow right now. You could take a car up the mountain and ski back down.” Lyle waited until Jason put his cup down, and refilled it.

“Thanks. I don’t think so.”

“Afraid one of the hundreds of people who’ve paraded through your office at the bank will follow you up there and shove you off? I heard what happened the day before Thanksgiving.”

“That was different. Paige lost his retirement fund.”

“He took funds from a lot of people. You can’t make it right for everyone.”