"Love's Portrait" by Monica Burns

Julia Westgard has been a widow for two years after suffering in an abusive marriage for nearly 10.  One of the things she does to regain her self-esteem is to commission a racy portrait of herself.  She swears the artist to secrecy but it's accidentally seen by Morgan St. Clair, a shipping company owner.  Julia knows St. Clair because she's invested some of her funds in his successful company and because he has a "love 'em and leave 'em" reputation about town.  When she's caught stealing one of his silk, monogrammed handkerchiefs from his hotel suite for a charity auction, he proposes a wager that may put her independence and heart in danger.  Yes, this was another free e-book.  It had well-drawn characters with emotional baggage and a story that kept me interested to the end.  163 pages (Kindle edition).