Magnate by Joanna Shupe (1)

Chapter One

 

If given the choice between bears and bulls, Lizzie vastly preferred the bull. Bears were tentative and sluggish, whereas bulls charged forward and caused things to happen. She had finally decided to consider herself a bull, ready to pursue her hopes and dreams by any means necessary.

Which is how she found herself on upper Fifth Avenue this afternoon, waiting in the largest mansion on Millionaire’s Row. The monstrosity belonged to one of the wealthiest men in the world, a steel magnate who had reputedly forged his empire through daring, determination, and sheer grit.

And before Lizzie left his house today, she intended to convince him to take another risk, this time on her.

A noise caught her attention, and she turned as an immense man stepped into the receiving room. “Miss Sloane, I am Emmett Cavanaugh.”

Lizzie clasped her trembling hands and tried not to gawk. She’d heard the rumors, of course. Not only was Cavanaugh the owner of the powerful East Coast Steel, but he was also her brother’s friend. Still, the bits of news and gossip here and there hadn’t quite prepared her for the shock of actually seeing him in person.

He was huge—a mountain of a man. Thick and tall, with wide shoulders that could only be borne of physical activity. The breadth of his chest . . . good heavens. His tailor must charge a fortune for the additional fabric required to clothe him.

He did not smile. No welcoming warmth lit his expression, no curious twinkle shining in his eyes. He merely stood watching her, as if taking her measure as well. Her knees wobbled in the weighted silence, uncertainty hollowing out her belly and drying out her mouth. There was a hardness about this man, an edge, like one of the new skyscrapers towering unapologetically over the city’s old, elegant buildings.

“Mr. Cavanaugh,” she returned, straightening her shoulders. “Thank you for seeing me.”

“Of course, though I’m a bit unclear on the rules. I don’t normally entertain unmarried ladies in my home. Am I supposed to offer you refreshment?”

Yes, she’d heard rumors of the types of ladies he entertained. All actresses, and the liaisons never lasted long. “That’s not necessary. I promise not to take up too much of your time.”

“Then by all means, please sit.”

Lizzie lowered herself onto a chair and studied him through her lashes as he assumed the chair opposite. She hadn’t expected him to be quite so . . . striking. He had full lips and a finely curved jaw. Stark, slashing cheekbones and slightly long, dark brown hair. A small indent graced the tip of his bold chin, an imperfect mark on an otherwise perfect profile, and her heart began picking up steam, thumping hard in her chest. His handsomeness made her even more unsure of herself, unsure of her decision to come here today.

But what choice did she have? She needed a partner, one wealthy and influential enough to help get her business up and running. Using her talent for stock speculation, she could save her family’s finances if given a chance. Unfortunately, no one else would even meet with her. Emmett Cavanaugh was her last hope.

She cleared her throat. “The reason I’ve called today is that I have a business proposition for you.”

One dark eyebrow shot up. “A business proposition? Interesting, though I’m curious as to why you’ve not taken this idea to your brother. William Sloane does own one of the country’s largest railroads.”

True, the Northeast Railroad Company was one of the biggest railroads, and Will had served as the president since their father’s death. Her older brother never included her in business matters, however. He staunchly refused to discuss any of their financial problems, insisting he had everything well in hand, even when she knew otherwise. “Stick to your parties and theater, Lizzie,” Will often said. “Leave the business side of things to me.”

Why couldn’t she do both, as Will did? That precise attitude—that women were narrow-minded creatures incapable of understanding financial matters—never failed to anger her. No one took her ambition seriously, not even her friends. To them, her dreams were merely a temporary fancy, one that would disappear the instant she found the right man to marry. All the more reason to move forward with her plans, quickly and quietly.

“I have spoken with him, yes, but he’s proven difficult to convince. I’m hoping you’ll be more open-minded.”

“Well, that does intrigue me. But what about the Rutlidge boy, the one to whom you’re nearly engaged?”

Hardly a surprise Cavanaugh had heard the rumors about her and Henry Rutlidge. Will was keen on the match, as was Edith Rutlidge, Lizzie’s good friend and Henry’s sister. But Lizzie hadn’t yet made up her mind. Henry’s views on women in business were far from progressive. “Mr. Rutlidge is not in control of his own pockets, I’m afraid, and his father would never agree to what I’m proposing.”

“Then I suppose I’m flattered to be approached. You must tell me this radical idea.” Cavanaugh moved not a muscle, his focus unwavering yet guarded. She hoped that was a sign of interest on his part.

“I want to open a stock brokerage firm. I am seeking a partner, one to provide working capital to get started. Someone high profile enough to help me lure clients.”

No sign of amusement or horror showed on his face. His expression remained unreadable. “Like Vanderbilt did for Woodhull a few years back?”

“Precisely.” She relaxed a bit. He understood.

“And who will be doing the advising?”

“Me. I will advise on all the trades. I do plan to keep that knowledge from the male clients, however, at least until they’re comfortable with the idea of working with a woman.”

He tilted his head and stroked his jaw. “You speculate on the exchange?”

She nodded. “Indeed. Of course, I can’t trade myself, so I plan to hire a young man to represent me on the exchange floor.”

He gave her a long, indecipherable look. She couldn’t tell if he was considering her plan or preparing to laugh.

“You are from one of the oldest and wealthiest families in New York, Miss Sloane. Surely you can finance whatever scheme you’re dreaming up. Sell a bracelet or two to raise the money. Why bring someone in from the outside?”

This was a sticky, yet not entirely unexpected, question. She couldn’t tell Cavanaugh the truth, that she suspected the worst of the Sloane finances. Her brother would not discuss it, but she was certain they were in trouble. Paintings disappearing, servants let go, stock sold . . . Had Will thought she wouldn’t notice? Had he honestly believed she didn’t pay attention? Yet her offers to help had been refused. So she had decided to do this without Will’s assistance.

Moistening her dry lips, she charged on with the answer she’d prepared, one that was not a lie. “I do not come into possession of my trust until my twenty-fifth birthday, which leaves me with very little money to work with before then. However, even if I had the capital, I won’t be taken seriously by my clients—the male clients—until I prove that I can earn money.”

“And I am to believe you’re competent, entrust you with my money?”

She picked up the ledger she’d been keeping for four years, the proof that she wasn’t some silly female with unrealistic aspirations. No, in here lay her undeniable abilities in ink. “These are records of the transactions I would have made, had I been allowed.” He held out his large hand, and she slipped the volume into his grip. “I read the reports, Mr. Cavanaugh. I follow the markets. You’ll see I maintain a healthy balance in the black.”

“A fictional balance,” he noted, before studying the most recent entries. “Most of these are obvious, sure bets any trader would make.” He paused. “What’s this, a short sale on Pennington? Did you truly see that price drop coming, when no one else did?”

Not easy to keep the smugness out of her voice, but she managed it. “Over the past three years, I’ve noticed their second quarter earnings are always delayed. The Pennington stock drops ten percent like clockwork as a result.”

“How do I know you didn’t write these entries the next day, once you read the papers?”

Heat washed over her skin, like she’d been dipped in a hot water bath. “Are you saying that I am a liar?”

The question seemed to amuse him. His lips twitched as he handed the ledger back. “Why me?”

She lifted a shoulder, trying to appear casual when she felt the exact opposite. “First, you have the means and the influence. Second, I know about your meetings with my brother each month, along with Calvin Cabot and Theodore Harper.” She drew in a deep breath and admitted the truth, praying she would not offend him. “And neither Mr. Cabot nor Mr. Harper would see me when I paid a call.”

“Well, at least you’re honest about my being your last choice,” he said dryly.

Cavanaugh’s reputation for ruthlessness had factored into the decision to save him for last. Legend held he’d grown up on the streets of Five Points, fought his way out of the slums to a steel mill, which he later purchased to start his empire. Unlike the other wealthy men of business, he didn’t involve himself in charitable causes and kept far removed from the social scene.

He surprised her by rising in one fluid motion. “Follow me,” he said, and started out of the room.

Stomach fluttering with nerves, she trailed him into the corridor and deeper into the garishly decorated house, passing the two-story entry hall with its sleek pink marble staircase and gold railing. Next came a long gallery, with paintings from Dutch and Italian masters and a carved ceiling decorated with frescoes and rimmed in gold leaf. If she weren’t so anxious, she might’ve found the surroundings impressive.

Cavanaugh walked fast, and Lizzie had to lift the hem of her skirts in order to keep up. Not very loquacious, was he? Or polite, for that matter.

She had no idea where he was leading her. To the safe where he kept his money? A side door, where he’d eject her from his house? For some strange reason, she wasn’t worried for her safety. He’d been patient with her, asking intelligent questions and listening to her answers. Moreover, he was her brother’s friend.

They ended up in a large room containing a massive desk. Rows of books lined the walls and a collection of modern-day conveniences—telephone, telegraph machine, stock ticker—shared what must be Cavanaugh’s office. The space smelled of cigar, lemon polish, and big business. A thrill slid through her as she imagined the deals and fortunes this room had witnessed.

“Colin, leave us,” Cavanaugh said, and a young man stood up from a smaller desk in the corner. He wore round glasses, his eyes curious behind the frames as he hurried to the hall. Lizzie guessed not many ladies had ever crossed into this masculine domain.

Cavanaugh continued to the stock ticker, which was churning and spitting out a long white strip. He ripped off the paper, returned to her side, and held out the tape. “Read it. The last five updates.”

Taking a deep breath, she lowered herself into a chair, set down her ledger, and smoothed the thin strip of paper between her fingers. Cavanaugh sat as well, thankfully saving her from craning her neck to see him. “Deere and Company down seven and three-eighths. State Street Corporation up two points. Seneca Textiles down twelve points. PPG Industries up six and one-eighth points. Kimberly-Clark up three and five-eighths.”

“Very good,” he said, though he hardly sounded impressed. “But interpreting the tape is the skill. So tell me, based on what you read, what would you advise your clients to do?”

She didn’t even need to ponder it. “I would advise them to buy Seneca Textiles.”

“Why, when they’ve been down steadily since September?”

“Because Easter is three months away, and in a few days, the ladies will begin ordering their bonnets, dresses, gloves, and the like. I also know that Seneca will soon announce an exclusive agreement to import the same Honiton lace as supplied to Queen Victoria.”

Cavanaugh glanced away, his brow furrowed. She held utterly still, watching and awaiting his decision. Blunt fingers stroked the rough skin of his jaw, and her attention was drawn to the small indentation in his chin. She imagined tracing it with her finger....

“Not bad, Miss Sloane. Not bad at all. But my answer must still be no.”

* * *

Emmett studied her carefully as the news sank in. Christ, she was beautiful. How did a bastard like Will Sloane have such a breathtaking sister?

In a high-necked, blue-and-white-striped shirtwaist and matching skirt, Miss Sloane possessed a cool, untouchable beauty, the kind far removed from the type of women he usually fraternized with. She had the flawless skin found only in the top tier of society—people who’d never worked, toiled in a field, or sweat in the heat of a steel mill. Emmett felt dirty just sitting across from her.

Still, his blood stirred all the same. How could it not? Blond hair, perfect poise, slate-gray eyes, the fair Miss Sloane would cause a dead man to sit up and take notice.

And the way she’d read that ticker tape, with such confidence and skill, had almost knocked him on his ass. He hadn’t met a woman that quick with numbers since Fannie Reid, owner of the most successful bordello in Five Points.

“I’m sorry, you said no?” Her blond brows pinched, and he had the ridiculous urge to smooth his thumb over the tiny creases that dared mar her immaculate forehead. “Why?”

He forced his gaze to hers. “I said no for two reasons. First, I have no interest in owning an investment firm. And second, while it seems you have a knack for speculating, I cannot see how this is a good idea. I wish you luck, however.”

Her shoulders went rigid, and he knew he’d offended her. “I have more than a ‘knack.’ Why do you think I will not succeed?”

How could he explain it to her, that talent only got one so far in business? More important were cunning, a lack of scruples, and an ever-ready supply of favors you could call upon at a moment’s notice. This woman was far too well-bred to play in the street with the other vermin.

“The world you think to involve yourself in is a cutthroat, nasty business. I cannot believe you have the stomach for it.”

Her lips thinned into a white line. “And how do you know what, precisely, I have the stomach for?”

She hadn’t backed down, so perhaps Miss Sloane was stronger than she appeared. Still, she had no idea what awaited her if she continued along this insane path. Bribes. Lying. Cheating . . . Christ, he’d bought off two politicians already today—and the day was only half over. No woman, especially one whose family could be traced to the Dutch patroons of New Amsterdam, should swim in those filthy waters.

“I don’t, not really,” he admitted. “But I have a strong suspicion.”

“A suspicion based on how I look. On my last name.”

It was not a question, but Emmett felt he owed her the truth. “Yes. Life in Washington Square will not have prepared you for—”

Anger bloomed on her cheeks, her pristine skin turning a dull red. “You have no idea of my life or what I’m prepared to do. I know as much about stocks as any man. Women shouldn’t be forced to put up with . . . with . . .”

She trailed off, and Emmett couldn’t drag his eyes away. Furious, she was downright breathtaking. Emmett’s body began to take notice, but the last thing he needed was a bit of stiff in his trousers. With an effort, he returned to the conversation. “With?”

“With men like you! You are just as closed-minded as my brother.”

Emmett frowned. God knew he wanted nothing in common with Will Sloane. Emmett hated her brother with everything he had, which was quite considerable.

He studied the determined set of Miss Sloane’s shoulders. The resolute gleam in her steady gaze. “Why?” he finally asked.

“Why, what?”

“Why do you want to do this? You have to know it won’t be easy. You’ll likely be shunned by high society once word gets out. And who will serve as your clients?”

“They won’t shun me, not if I’ve proven myself. Which is why I need a prominent name on the door, one that people will accept at first. As for my clients, they’ll likely be mostly women at the outset. Shopgirls, teachers, widows, society women. And ladies with . . . other sources of income.”

“Prostitutes, you mean.” God Almighty, her brother would lose his snobbish, blue-blooded mind if he knew. Emmett was growing to like this girl.

She flushed, but did not dodge, answering, “Yes, those as well. But a successful businessman as the face of the company will encourage other men to invest their money. I just need help getting started, really. My gender won’t matter when the company returns a profit.”

He admired her conviction, but wondered at the reason behind it. Were the Sloanes in some sort of financial trouble? Why else would she be here, so anxious to prove herself, instead of doing this on her own? The idea had Emmett nearly salivating; he’d had his eye on Sloane’s Northeast Railroad Company for a long time. Owning the railroad that transported his steel across the country would almost double Emmett’s profits.

And bringing the stick-up-his-ass Sloane down while helping his sister engage in something scandalous? Nearly irresistible.

Yet something held him back, like his strange reaction to her presence. His gut told him to run the other way from this woman—and he always trusted his gut.

“I like your determination,” he admitted. “But—”

“Wait!” she blurted. “I have an idea. Let’s make a wager. You give me an amount of money, and, if I cannot double it on the exchange within three months, then you’re off the hook.”

Before he thought better of it, he asked, “How much?”

She shrugged. “You may decide. Five thousand, perhaps?”

He admired her spirit, so he played along. “Too low. Make it ten.”

“Fine. And when I double it, I’ll take the twenty thousand and another fifty to start my business.”

“Our business,” he corrected. “And you only get three weeks. Not three months.” No use making it easy on her.

Her jaw dropped. “Three weeks! I cannot possibly—”

“Then we have nothing else to discuss.” He stood and walked around his desk. “Good day, Miss Sloane.”

“Fine! Three weeks from today.”

He suppressed a smirk. She would need to learn better negotiation skills for certain. He shoved his hands in his pockets. “Tell me something.”

“Yes?”

“What’s in it for me?”

“Well, money, of course.”

“I’ve got plenty of money. You’ll have to do better than that.”

This caught her off guard, and she started chewing her lip. “I . . . There’s nothing other than altruism and money in it for you, I’m afraid.”

“One unappealing and the other completely unnecessary. What else?” He moved toward her, relieved to see she didn’t back away from him like other women had in the past. When he reached the edge of his desk, he leaned on the heavy wood and crossed his feet. “For example, what happens if you fail? I’m out ten thousand dollars.”

“I don’t have the money to pay you back, at least not yet.” She paused, then brightened. “But I can repay you in Northeast stock. From my trust.”

“I can purchase common stock anytime I choose.”

“This is preferred stock. My father started the company only a few years before he died, and he put some in a trust for me. I’m certain I have enough stock to sign over to you, should I fail. Which I won’t.”

Emmett swore he could hear his heart beating in his ears. Northeast hadn’t put preferred stock on the market in eight years. Owning some not only promised a higher dividend return on the company’s earnings, but such stock could possibly allow him voting rights. Will Sloane would shit himself when he found out—not that Emmett would tell any of this to Elizabeth.

“Why not wait until your twenty-fifth birthday, then, to start your company?”

“Because I am tired of waiting. Another four years is intolerable.”

Something about her answer felt off; Emmett would swear on it. The woman stood to inherit a large trust in a few years, so why not wait? More evidence all was not well in the house of Sloane.

Damn, he’d enjoyed this visit, probably more than he should have. He liked her; it surprised him how much.

The two of them had little in common—his upbringing in the filth of Five Points could not be more different than her privileged youth—but she had spirit, an unwavering desire to succeed, much as he had when first starting out.

A shame their paths wouldn’t cross again. No chance she would win the wager, not in such a short period of time. Which meant her brother would never learn of this visit. Unless . . .

“You present a tempting offer, Miss Sloane. Now, would you like to hear my counteroffer?”

“A counteroffer?”

“Yes, something I want from you in exchange.”

She clasped her hands, almost as if bracing herself. “And what might that be, Mr. Cavanaugh?”

“I want you to have dinner with me.”

“Dinner?” Rounded gray eyes quickly narrowed suspiciously. The woman had no idea how to conceal an emotion. Really, the jackals on Wall Street would swallow her whole. “When?”

“Friday, at Delmonico’s.”

“I couldn’t possibly do that. What would . . .”

When she didn’t finish, he said, “Yes, what would they say? Knickerbocker’s finest, dining with the likes of me. Could the city handle such a scandal?”

“You are mocking me.”

“I do no such thing, Miss Sloane. I want to have dinner with you. Are you brave enough, or should you like to check with your brother first?”

That had the desired result. She threw back her shoulders, determined to prove she was one of the modern, independent women who answered to no one. Emmett could only imagine the conversations in the Sloane household. She must drive her brother daft. Yet another reason to like her.

“Fine. Which Delmonico’s?”

“Twenty-Sixth Street, of course,” he replied smoothly.

“Of course,” she repeated, her tone sardonic. He knew why she would be unhappy. The location ensured that all of New York society would see them together. The news would race to Sloane’s ears before dessert had been cleared. “In the main dining room, I assume.”

He inclined his head. “Indeed. Shall I write the bank check? Do we have a deal?”

She swallowed, her eyes uncertain, and he was filled with a sudden desperation for her to say yes. Clearly from a desire to bedevil Sloane—not the anticipation of watching her full, delectable mouth as she ate.

Finally, she jerked her head. “We have a deal.”

* * *

Elation and relief bubbled inside Lizzie as she left the Cavanaugh mansion. She had actually done it. A signed bank check now rested in her small bag, the first step to her new future. She hadn’t convinced him to fund her company outright, of course, but it was a start.

She had no doubt in her ability to win the bet, even if he’d cut the time of the wager to almost nothing. She could do this—no, she must do this. Not because of the Sloane name or legacy, or even for her and Will’s comfort, but for the hundreds of servants and Northeast Railroad employees who depended on the Sloanes for their livelihoods. Two members of their household staff had already been let go, and Lizzie would do all in her power to prevent any more dismissals—even if it meant sharing dinner with Emmett Cavanaugh.

Her brougham remained where she had left it, on Seventy-Fifth Street where prying eyes might be less likely to see it. At her approach, her driver, Brookfield, moved to open the door. “You’ve got guests, miss.”

“Guests?”

Brookfield colored slightly. “I apologize. I didn’t see them sneak in, miss, and by the time I noticed, they wouldn’t leave.” He opened the door, and two young girls stared out from the carriage depths. They both had pretty, dark hair done up in ringlets and wore matching yellow dresses. The two almost looked like twins, but Lizzie could tell that one girl was slightly older. She guessed they were no more than twelve or thirteen.

“Hello,” she said, climbing inside and sliding onto the empty bench.

Both girls grinned. “You’re pretty,” one of them said.

“Very pretty. I love your dress,” the other girl said, gesturing to Lizzie’s outfit. It was one of Lizzie’s favorite day dresses, a French silk of blue stripes paired with a pointed basque trimmed with lace. The skirt had two deep ruffles and pannier drapery. She had wanted to look her best when meeting Cavanaugh.

“Thank you. I am curious who you are, though.”

“We’re Emmett’s half sisters. I’m Kathleen,” the older-looking one said. “But everyone calls me Katie.”

“I’m Claire. May I touch your hat?”

Cavanaugh’s . . . half sisters? Lizzie quickly recovered from her shock and leaned forward, bending her head toward the girl. “Yes, of course. That’s an ostrich feather. What do you think?”

“It’s so soft,” the girl whispered. “Thank you.”

“You’re welcome. I like it, too.” Lizzie straightened. “So how old are you, Katie and Claire?”

“I’m thirteen. Claire’s fourteen months younger than me.”

“Oh,” Lizzie said. “That must be nice, having a sister so close to your own age.”

While Lizzie appreciated her older brother, she’d always wished for a sister. Borrowing clothes, sharing stories, discussing young men . . . A sister would have been a friend and confidante to help ease the lonely years of adolescence. Will had done so much for her, but his responsibilities at the company and finishing his schooling hadn’t left much time for his younger sister.

“It is, especially since Mama died when I was born,” Claire said.

Lizzie’s chest tightened. She knew all too well the hole a mother’s absence left in a little girl’s heart. “I’m sorry. My mother died when I was young as well.”

Both girls gazed at her with solemn understanding. “Do you remember her?” Katie asked.

“Very little, I’m afraid.” Lizzie had been four when Caroline Sloane died in childbirth, along with the baby. She could recall brushing her mother’s long, blond hair at night. The ghosts of a few other brief moments existed—a kind word or a kiss on the forehead—but never as many as she’d wished. Will had provided Lizzie with most of the memories, often telling her stories of her parents. Did Emmett do the same for his half sisters?

Lizzie refocused on the young girls. “I’m sure your mother loved you both very much.”

Katie smiled. “Brendan tells us about her all the time.”

“Brendan?”

“Our other half brother,” Katie said. “We all had the same father. Emmett’s the oldest, then Brendan, then us. Emmett and Brendan’s mother died, too. Before our father married our mother.”

“We spend a lot of time with Brendan. Emmett’s usually too busy for us.” Claire swung her booted feet, her legs too short to reach the carriage floor. “He works all the time.”

Lizzie could well imagine, considering Will’s hectic schedule. Empires did not run themselves. “How long have you lived with your brothers?”

“I was almost three. Claire had just turned one.”

So Emmett, then only a young man himself, had taken in the small girls and assumed responsibility for them. What had happened to their father?

“Where do you live?” Claire asked Lizzie. “We used to live near Union Square, but Emmett had this big house built a few years ago, and we came to stay here. This house is so gigamtic. It has seventy-eight rooms.”

“Gigantic,” Lizzie corrected. A short conversation with these two little girls had provided more information about Cavanaugh than a year’s worth of newspapers. “That is very big. It must be fun, though, having all that space. I live on Washington Square with my brother.”

Katie’s eyes went big. “The park there used to be a graveyard. Do you have ghosts? We’ve always wanted to see a ghost.”

“I haven’t seen any ghosts, but I’ve never really searched for one. Perhaps you’d like to visit sometime and we could go ghost hunting.”

Both girls grinned, their expressions hopeful. “Truly?” Katie asked. “Do you mean it, Miss Sloane?”

“Absolutely,” she said, and realized she meant it. A ghost-hunting excursion with two adorable young girls sounded like fun. Perhaps she could convince her friend Edith to join them. “I’ll speak with your brother about it. By the way, do you girls have a governess? If so, I imagine she’s looking for you.”

“Yes. But we snuck out,” the older girl said.

“She thinks we’re practicing our music. I play piano, and Katie plays the clarinet.” Claire mimicked piano keys with her fingers.

“Won’t she be worried if she discovers you missing?”

Katie lifted a shoulder. “Probably, but we had to come down to see what you looked like.”

“Ladies never call on Emmett,” Claire elaborated, fingering the satin bow on her dress.

“Well, not ladies like you,” Katie said, and they both giggled.

“Girls,” Lizzie admonished, though she tried not to laugh. “Your brother’s private life is his own business. You should not know what sort of ladies he sees.”

Katie rolled her eyes. “Everyone knows Emmett only sees actresses. We read the gossip columns every day. Brendan says it’s because—”

The door was flung open, and the imposing figure of Emmett Cavanaugh came into view. With a fierce frown directed at his younger half sisters, he crossed his arms. A tense silence descended, and Katie and Claire shrank into the velvet seats. “Girls, get back inside,” he finally said, his words tiny white clouds in the frigid air.

“But Emmett—” Katie started until her brother’s hard voice interrupted.

“Now, Katie.”

“Does this mean you won’t give us a swimming lesson this afternoon?” Claire asked. “Please don’t take away our lesson, Emmett.”

Lizzie’s mouth nearly fell open. Cavanaugh was teaching his sisters how to swim?

He held up a finger and pointed at his sisters. “If you do as Mrs. Thomas says and do not escape her again today, we’ll still have a lesson. Deal?”

“Deal!” the girls said quickly. Then they murmured polite responses to Lizzie and scurried out of the carriage. “Good-bye, girls,” Lizzie called as they descended.

They disappeared behind his broad back, yet Cavanaugh kept his cool, flat gaze riveted on Lizzie. “I apologize for my sisters.”

“I didn’t mind. They were curious about me.” She couldn’t resist adding, “They said ladies never call on you.”

A cold wind blew at that moment, ruffling his dark hair and suit coat. He didn’t move, just stood tall and broad like an impenetrable force of nature. One too strong to ever bend or break. She shivered.

“That is because most ladies know better.” Without giving her a chance to respond, he stepped back. “Until Friday, Miss Sloane.”