Lovely but disastrously tenderhearted Diamond Wingate has terrible trouble saying 'No'- to the poor and unfortunate who beg at her gates; to entrepreneurs with big plans and no money; and worse, to the silver-tongued young men who line up to propose marriage. So far she has managed to keep her three fiancés a secret, insisting she cannot marry until she turns twenty-three. But her birthday--and disaster--are looming.... Rugged, independent 'Bear' McQuaid has never taken a dime he didn't earn by his own hard work. But now his dream of building a railroad, close to coming true, is about to collapse from lack of funds. Approaching Baltimore's infamous 'soft touch,' he learns she has other assets as well- a delicate, strawberry blond beauty and shining intelligence--and a fascination for the romance of the railroad. Then Bear uncovers Diamond's embarrassment of riches in fiancés as well as money and charms. Now he must make a choice; finance his dream through a little genteel blackmail, or do it the hard way...by falling in love.