Fifty-something, divorced for years, courted by more than one attractive man, and thoroughly enjoying her job with a large insurance company, Marian can't figure out why she suddenly feels restless... vaguely discontented... blah. So when her work takes her to a small town on the Mississippi River to assess property damage from a devastating storm, she is delighted. Maybe a change is all she needs. But does she need Don Worth, a tall, rangy, silver-haired widower who nicknames her "City Gal" and laughs at her for not knowing one kind of cow from another? Does she need to get involved in the joys and sorrows and squabbles of small-town reconstruction ...in the 'boonies'? And does she need Don's touch, his words of lone that tell her she's needed, and not just professionally? Yes, Marian realizes with a smile. That's exactly what she needs. No insurance policy can protect against a change of heart, but she's ready to take a risk. And what a surprise it is... to love again!