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 fiances 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, so close to coming true, is about to collapse form lack of funds. Approaching Baltimore's infamous soft touch, he learns she has other assets as well: a delicate, strawberry blonde beauty and shining intelligence - and a fascination for the romance of the railroad. Then Bear uncovers Diamond's embarrassment of riches in fiances 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.