Penny Branch is stunned to learn that her father has disappeared—and with him, millions of dollars stolen from his bank, his customers and even his family! But even worse is the fact that Penny’s soon-to-be ex-husband, bank executive Craig Lockhart, is the one who turned her father in.… Now the Branches face destitution. Penny’s twin brothers— drivers in the NASCAR NEXTEL Cup Series—will lose their sponsorships, and their mother may be forced to declare bankruptcy. But how can she fault Craig for his betrayal? Especially when Penny has a secret of her own…and she would rather end her marriage to Craig than have him discover the truth!