When Joy Roberts walks into Owen Investments to ask for a loan, she expects rejection. What she doesn't expect is a proposal.Liam Owen is cold, powerful, and dangerously handsome—a billionaire who sees the world as nothing more than a series of calculated transactions. To satisfy his father's demands, he needs a wife. Not love. Not affection. Just a woman willing to sign a contract.Joy, drowning in debt and desperate to save her family's failing company, becomes the perfect solution.The agreement is simple, a marriage with no emotions attached.In return, Liam will erase her family's debts and secure their future.But living under the same roof as a man like Liam Owen is far more complicated than Joy ever imagined. Beneath his cold exterior lies a man with secrets, control, and a dangerous intensity that begins to pull her closer than she intended.What begins as a bargain soon becomes something neither of them planned.