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Boatbuilder Helen Brody and insurance agent Liam Shaw could not be more different from each other, at least at first glance: she in her paint-splattered work overalls and jeep, he in his expensive designer suit and sports car. And yet, fate brings them together. Helen’s husband Jonah is lost at sea in a storm, and Liam is tasked with paying Helen’s life insurance claim a year later. But before that can happen, Jonah must legally be declared dead.