Gemma Talbot has spent years shielding herself from the shame of her impoverished past, yet the creditor's terms require a thorough medical certification of her body performed before the entire household. Standing in the entrance hall, she confronts the broad physician who will conduct the examination that could save or destroy everything she has built.

Oliver Penn issues his instructions in calm clinical tones, and each one must be obeyed before the household. The open ledger awaits beside the instruments, and the unlocked door promises the creditor's watchful eyes on every intimate procedure. A private hunger burns beneath his clinical control. How far will Gemma allow Oliver to examine her before the debt is settled?