He mentally filed that away to think about later. Right now, they had her brother's problem to deal with.

'No, there's nothing for you to worry about,' he reassured her. 'Not only did I ask Zach to meet us here for the two of you to see one another, but I also have a proposition for him that would enable him to pay off this debt and give him a chance at a solid future.'

Her eyes grew wide, and though she didn't ask for specific details, the gratitude passing across her features spoke volumes. 'You would do that for Zach?'

Without thinking, he reached out and caressed his thumb along her soft cheek, that simple touch affecting him more deeply than it should have. 'And for you.'

Moisture welled up in her eyes, and she swallowed hard. 'Thank you,' she whispered.

The urge to take her into his arms and comfort her was strong, but with Zach in the cabin and already tossing around derogatory remarks about the two of them, the last thing Joel wanted was to have her brother walk in on them in an embrace, no matter how innocent.

So, instead, he turned around and opened one of the overhead cupboards. 'Would you like some coffee?'

She nodded and returned her attention to preparing Zach's meal. 'Yes, please.'

He retrieved three mugs and poured coffee into each one while Lora put the grilled cheese sandwiches on a plate and poured the soup into a bowl. By the time everything was on the table, Zach was done with his shower and joined them in the kitchen, looking much more human than he had when he'd arrived.

Zach had shaved the grisly stubble on his face, and he'd combed his now-clean hair away from his face. His eyes were still a bit bloodshot-from lack of sleep or too much alcohol, Joel wasn't certain-but overall his tidied-up appearance and change of clothes was a huge improvement.

They all took a seat at the table, and Zach immediately started in on his soup and sandwiches like a starved man, which he most likely was. Joel decided to wait and give the man some time to eat his meal before talking to Zach about his proposal.

Lora took a sip of her coffee, sweetened with cream and sugar, and was the first to speak. 'Zach, what happened to your face? Those look like fresh cuts and bruises.'

'They are,' he admitted, already finished with one of the sandwiches. 'This is what you get when you make a payment on an outstanding debt, so you can imagine what happens when you don't.' He gave his sister a lopsided grin, obviously meant to make light of the situation.

Lora wasn't at all charmed by the smile. 'You made a payment? How did you manage that?' She frowned at him in confusion, then realization struck before Zach could reply. 'Don't tell me you're still gambling!'

Zach's demeanor immediately changed, his entire body stiffening defensively, which was an answer in itself.

Lora stared at her brother in shock, unable to believe the depths he'd sunk to, yet he was digging himself deeper and deeper into debt. 'You have no money to gamble, Zach,' she said, stating the obvious. 'Or should I ask, whose life are you playing with now?' It was a low blow, she knew, but she wasn't about to sugarcoat the situation.

Animosity tightened the clench of Zach's jaw. 'Look, I borrowed some money from a friend, okay?'

'A friend?' Her doubt rang clear in her voice. 'How much interest does this friend charge?' she went on persistently. 'No matter who it is, you're borrowing from Peter to pay Paul, not to mention that my life has been at a standstill since you handed over my insurance policy as collateral. What happens when you don't win a poker hand, Zach? When you lose all the money you just borrowed from someone else?'

Zach dropped his spoon into his empty bowl with a loud clatter, a muscle in his cheek twitching with suppressed fury. 'I'm doing what I can to get myself out of this fucking mess.'

'What you're doing is digging yourself deeper into debt, not to mention doing desperate things in order to keep yourself, and now me, alive,' she replied heatedly. 'Your life is spiraling out of control and it has to stop.'

The hand Zach had on the table curled into a tight fist. 'I'm handling it, okay?'

Lora glanced at Joel, who sat quietly across the table from her, watching the bitter argument between her and Zach. Up to this point she'd dominated the conversation, and judging by the understanding look in Joel's eyes, he knew that she'd needed to vent and had given her that opportunity. But now, she needed him to intervene with that proposition for Zach that he'd mentioned earlier.

Joel cleared his throat and sat forward in his seat, and Zach automatically looked his way. 'I have an offer for you,' Joel said calmly. 'One that would pay off your debt, get those thugs off your back, and eliminate the threat hanging over your sister's head, too.'

Zach's gaze narrowed with suspicion, but was quickly eclipsed by a curiosity that got the best of him. 'Go ahead,' he said gruffly. 'I'm listening.'

'I talked with Jon, Ben, and Kevin, and we're willing to pay off your outstanding debt with this Lanny Mendoza guy, and anyone else you owe, in order for you to start off with a fresh, clean slate.' Joel paused for a second to let that sink in before adding, 'But, the new loan from us and our company, ESS, comes with a few stipulations.'

'Of course it does.' Zach replied drolly, and crossed his arms over his chest. 'Let's hear it.'

'In exchange for us paying off your debt and getting your sister's life insurance policy off the block for collateral, you need to agree to rehab for your gambling and alcohol addictions. Once you've completed that program, the guys and I want to offer you a job at ESS, which will pay you enough to make a decent living as well as pay back what you owe us.'

Lora's mind reeled at Joel's generous proposal, and she had to resist the urge to jump up and shout 'yes!' to the offer for Zach. But, it wasn't hers to accept, and she glanced anxiously at her brother. While Lora was thrilled and knew what a golden opportunity this was for Zach to start a new life for himself, as well as get the help he desperately needed, her brother clearly didn't share her enthusiasm.

In fact, Zach looked downright furious. 'What the hell is this, some kind of fucking setup?' he demanded, staring hard at Joel. 'I come here to see my sister, and you accuse me of having a gambling and drinking problem and want to lock me up in some kind of psychiatric facility? Nice way to show your gratitude for me saving your life, Wilde Man.'

Joel didn't so much as flinch. 'This is my way of showing gratitude, you ass. Quid pro quo. You saved my life, I'm trying to save yours, and you damn well know it, so don't start looking for someone else to blame for your problems.'

'Well, I don't have any problems to fix,' Zach sneered. 'This one thing got a little out of control, and you both are making a bigger deal out of it than it needs to be.'

'Oh, really?' Joel leaned closer to Zach, his expression as ruthless and cutthroat as a man could get. 'Look at your sister and tell her that, so when those thugs come looking for her again, she'll remember that you don't have a gambling addiction, and those men are going to kill her for no reason at all. How do you feel about that?'

Joel's deliberately brutal words had the desired affect on Zach, hitting him where he was most susceptible. Rage flared across her brother's features, and he stood up so fast his chair hit the back wall behind him. 'Fuck you, Joel!'

'The truth hurts, doesn't it, Zach?' Joel's mouth flattened into a grim line.

'You don't know the first thing about my situation,' Zach said through clenched teeth.

'I know enough, Zach.' In a smooth, fluid motion, Joel stood, too, looking far stronger and more intimidating than Zach. 'I know you're so far gone, and so desperate, that you really have no concept of what you're doing to your life, and your sister's. And if you go back to gambling and start losing and can't pay back your debt, those guys aren't going to kill you, Zach, because that doesn't do them any good at all. Instead, they're going to torture you, little by little, until you're barely hanging on and in so much pain you beg them to let you die, but they're not going to put you out of your misery. Then, they'll go and find your sister and kill her so you can collect on her insurance policy and pay them what you owe. And maybe, if you're really lucky, they'll finally leave you alone.'

The picture that Joel painted with his harsh words was utterly morbid, and it chilled Lora to the bone. She understood what Joel was doing, that he was attempting to break Zach down and force him to face his demons. And, ultimately, to get him to admit that he did, indeed, have a problem and had dug himself into a hole so deep, there were only two ways out… Lanny Mendoza's way, or Joel's way.

'This is fucking bullshit!' Despite Zach's brave tirade, he was trembling, and panic flashed in his eyes, along

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