Judith Barlow is a woman with a problem. She's close to getting a hard-earned promotion at one of the state's stodgiest banks when what was once a dream becomes a reality. The Regency romance that she wrote on a dare is so successful that her publisher urges her to make some public appearances. Judith hid behind a pseudonym—because bankers, at least at Judith's bank—do not write love stories. How is she going to appear in public without people recognizing her? The approach of Halloween inspires her, and a reddish blond wig and green contact lenses transform brown-haired, gray-eyed, bespectacled Judith into her alter ego, Lynette. She tries out her masquerade at a costume party where she meets a knight in shining armor. Little does Judith know that the handsome knight is hiding behind a mask of his own. Two days later, she learns that he's none other than Glenn Hibbard, the consultant who's going to conduct a study at her bank. What will happen if he learns that Lynette and Judith are the same woman? And what will Judith do when she learns that Glenn has secrets of his own?