It happened so suddenly: Papa's reappointment to His Majesty's Royal Navy, his sudden death, and then the shocking news that an unknown captain had been appointed guardian of the four Waverly sisters. Chloe Anne Waverly firmly believed that Captain William Trent posed a threat to everyone's happiness.

Emma, being eldest and quite responsible, felt it her duty to accept the captain's proposal of marriage. But Christmas season or no, Chloe Anne would find some way to prevent these nuptials-- for she knew Emma's heart belonged to another.

But when had Chloe become so aware of the sad look in the captain's eyes--or realized that behind all his military sternness, there was a gentleness and a gallantry? When had her feelings become much too warm for a man who was suddenly aware that he had chosen the wrong sister? Before 'twas over, it would be a Christmas none of them would forget