spent three weeks in an artists’ colony, while he went to Europe and traveled with friends and went to the Hamptons on weekends. By September, a year after the fighting had begun, they both knew it was hopeless and agreed to give up. What they couldn’t agree on was what to do about the gallery and the house. She had put everything she had and could scrape up into her half of the house, and now if she wanted to keep it, he expected her to buy him out, or agree to sell it. They had less invested in the business, and what he wanted from her was fair. The problem was that she just didn’t have it. He was giving her time to figure it out. Now it was November, and she was no closer to a solution than she had been two months before. He was waiting for her to get sensible and finally give up.

Todd wanted to sell the house by the end of the year, or recoup his share. And he wanted to be out of the business by then too. He was still helping her on weekends when he had time, but his heart was no longer in it, and it was becoming increasingly stressful for both of them to live under one roof in a relationship that was dead. They hadn’t slept with each other in months, and whenever possible he spent the weekend with friends. It was sad for both of them. Francesca was upset about ending the relationship, but she was equally stressed about the gallery and the house. She had the bitter taste of defeat in her mouth, and she hated everything about it. It was bad enough that their relationship had failed-five years seemed like a long time to wind up at ground zero in her life again. Closing the gallery, or selling it, and losing the house was just more than she could bear. But as she sat staring at the numbers, in an old sweatshirt and jeans, she could find no magic there. No matter how she added, subtracted, or multiplied, she just didn’t have the money to buy him out. Tears rolled down her cheeks as she looked at the amounts again.

She knew exactly what her mother was going to say. She had been vehemently opposed to Francesca going into business and buying a house with a man she loved but didn’t intend to marry. She thought it was the worst possible combination of investment and romance. “And what happens when you break up?” her mother had asked, assuming it was inevitable, since all of her own relationships had ended in divorce. “How will you work that out, with no alimony and no settlement?” Her mother thought that all relationships had to start with a prenup and end with spousal support.

“We’d work it out just like your divorces, Mom,” Francesca had answered, annoyed by the suggestion, as she was by most of what her mother said. “With good lawyers, and as much love for each other as we can muster at that point, if that happens, and good manners and respect.”

All of her mother’s divorces had been on decent terms, and she was friendly with all her former husbands, and they still adored her. Thalia Hamish Anders Thayer Johnson di San Giovane was beautiful, chic, spoiled, self- centered, larger than life, glamorous, and a little crazy by most people’s standards. Francesca referred to her as “colorful” when she was trying to be nice about her. But in fact, her mother had been an agonizing humiliation for her all her life. She had married three Americans and two Europeans. Both of her European husbands, one British and one Italian, had titles. She had been divorced four times, and widowed the last time. Her husbands had been a very successful writer, Francesca’s father, the artist, the scion of a famous British banking family, a Texas land developer who left her comfortable with a big settlement and two shopping malls, which in turn had allowed her to marry a penniless but extremely charming Italian count, who died eight months later in a terrible car accident in Rome in his Ferrari.

As far as Francesca was concerned, her mother came from another planet. The two women had nothing in common. And now of course she would say “I told you so” when Francesca told her that the relationship was over, which Francesca hadn’t had the guts to do yet. She didn’t want to hear what she would have to say about it.

Her mother hadn’t offered to help her when Francesca bought the house and opened the gallery, and she knew she wouldn’t help her now. She thought the house a foolhardy investment and didn’t like the neighborhood, and like Todd, she would advise Francesca to sell it. If they did, they would both make a profit. But Francesca didn’t want the money, she wanted to stay in the house, and she was convinced there was a way to do it. She just hadn’t found it yet. And her mother would be no help with that. She never was. Francesca’s mother wasn’t a practical woman. She had relied on men all her life, and used the alimony and settlements they gave her to support her jet-set lifestyle. She had never made a penny on her own, only by getting married or divorced, which seemed like prostitution to Francesca.

Francesca was totally independent and wanted to stay that way. Watching her mother’s life had made her determined never to rely on anyone-and particularly not a man. She was an only child. Her father, Henry Thayer, was no more sensible than her mother. He had been a starving artist for years, a charming flake and a womanizer, until, eleven years ago, he had the incredible good fortune to meet Avery Willis, when he was fifty-four. He had hired her as an attorney to help him with a lawsuit, which she won for him, against an art dealer who had cheated him out of money. She then helped him invest it instead of letting him spend it on women. And with the only genius he had ever shown, in Francesca’s opinion, he had married Avery a year later, she for the first time at fifty, and in ten years she had helped him build a solid fortune, with an investment portfolio and some excellent real estate. She talked him into buying a building in SoHo, where he and Avery still lived and he still painted. They also had a weekend house in Connecticut now. Avery had become his agent and his prices had skyrocketed along with his financial affairs. And for the first time in his life he had been smart enough to be faithful. Henry thought his wife walked on water-he adored her. Other than Francesca’s mother, she was the only woman he’d committed to by marrying her. Avery was as different from Thalia as two women could ever get.

Avery had a respectable career as a lawyer, and never had to be dependent on a man. Her husband was her only client now. She wasn’t glamorous, although she was good-looking, and she was a solid, practical person with an excellent mind. She and Francesca had been crazy about each other from the first time they met. She was old enough to be Francesca’s mother, but didn’t want to be one. She had no children of her own, and until she got married she had the same distrust of marriage that Francesca did. She also had what she referred to as crazy parents. Francesca and her stepmother had been close friends for the last ten years. At sixty, Avery still looked natural and youthful. She was only two years younger than Francesca’s mother, but Thalia was an entirely different breed.

All Thalia wanted now at sixty-two was to find another husband. She was convinced that her sixth would be her final and best one. Francesca wasn’t as sure, and hoped she’d have the brains not to do it again. She was sure that her mother’s determined search for number six had frightened all possible candidates away. It was hard to believe she had been widowed and unmarried for sixteen years now, despite a flurry of affairs. And she was still a pretty woman. Her mother had had five husbands by the time she was forty-five. She always said wistfully that she wished she were fifty again, which she felt would have given her a better chance to find another husband than at the age she was now.

Avery was totally happy just as she was, married to a man she adored, and whose quirks she tolerated with good humor. She had no illusions about how badly behaved her husband had been before her. He had slept with hundreds of women on both coasts and throughout Europe. He liked to say he’d been a “bad boy” before he met Avery, and Francesca knew how right he was. He had been bad, in terms of how irresponsible he had been, and a lousy husband and father, and he would be a “boy” till the day he died, even if he lived to be ninety. Her father was a child, despite his enormous artistic talent, and her mother wasn’t much better, only she didn’t have the talent.

Avery was the only sensible person in Francesca’s life, with both feet on the ground. And she had been a huge blessing to Francesca’s father, and to her as well. She wanted Avery’s advice now, but hadn’t had the guts to call her yet either. It was so hard admitting she had failed on every front. In her relationship, and in her struggling business, particularly if she had to close it or sell it. She couldn’t even keep the house she loved on Charles Street unless she could find the money to pay Todd. And how the hell was she going to do that? Bottom line, she just didn’t have the money. And even Avery couldn’t work magic with that.

Francesca finally turned off the light in her office next to her bedroom. She started to head downstairs to the kitchen to make a cup of warm milk to help her sleep, and as she did, she heard a persistent dripping sound, and saw that there was a small leak coming from the skylight. The water was hitting the banister and running slowly down it. It was a leak they’d had before, which Todd had tried to fix several times, but it had started again in the hard November rains, and he wasn’t there that night to fix it. He kept telling her that she’d never be able to maintain the house by herself, and maybe he was right. But she wanted to try. She didn’t care if the roof leaked, or the house came down around her. Whatever it took, whatever she had to do, Francesca wasn’t ready to give up.

With a determined look, she headed down to the kitchen. On her way back up, she put a towel on the banister

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