"She was well into her course of self-recrimination when he returned. The flap parted, and a very wet Zane crawled in beside her. "You okay?" he asked, as he set down the flashlight and touched her cheek. "Getting warm?" She nodded, then sniffed. "I'm sorry." His dark eyes crinkled slightly as he smiled. "It was worth it." "What?" "I get to say I told you so." She sniffed again. "You're not mad?" "Because I had to go out in the rain, in the middle of the night, pull up the stakes on your tent, resecure it somewhere else so it would dry out, then cart your saddlebags over to Cookie's wagon, wake him up and then listen to him complain?" She winced. "Those would be the reasons." "I'm not mad." She couldn't believe it. "But I was stupid." "You're a greenhorn. You didn't know any better." "You tried to tell me. I should have listened." He smiled. "That'll teach you. The man always knows best." "That's so not true." "It is in this case. So are you naked?" The switch in topic caught her unaware. She shimmied a little deeper into the sleeping bag. "I, ah, left on my panties." Zane swore softly. "I guess I deserved that for asking." "Deserved what?" "You don't want to know." Suddenly she did. Very much. But she didn't know how to ask. So she tried a different subject. "Are we going to share the sleeping bag?" "I thought I'd go stay with Cookie." "Oh." Disappointment flooded her way more than the river had. It was just as cold, but not as wet. "Phoebe, we talked about this," he reminded her. "You deserve better than a quickie out in the open." "We're in a tent," she said before she could stop herself. "And it doesn't have to be quick."