Dr. Isabel Favor prized neatness. During the week she wore exquisitely tailored black suits with tasteful leather pumps and a strand of pearls at her throat. On weekends she favored tidy sweater sets or silk shells, always in a neutral palette. A well-cut bob and an assortment of expensive beauty products generally tamed her blond hair's inclination to rearrange itself into disobedient curls. If that failed, she resorted to narrow velvet headbands.

She wasn't beautiful, but her evenly spaced light brown eyes sat exactly where they should, and her forehead rose in proportion to the rest of her face. Her lips were a shade too lavish, so she camouflaged them with nude-toned lipstick and dotted foundation on her nose to mute an unruly splash of freckles. Good eating habits kept her complexion creamy and her figure slender and healthy, although she would have preferred slimmer hips. In nearly every respect she was an orderly woman, the exception being a slightly uneven right thumbnail. While she no longer bit it to the quick, it was markedly shorter than her other nails, and nibbling at its edges remained the only habit from her very untidy childhood that she'd never entirely been able to conquer.

As the lights in the Empire State Building went on outside her office windows, Isabel tucked her thumb inside her fist to resist temptation. Lying on her art deco desk was that morning's issue of Manhattan's favorite tabloid. The feature article had festered inside her all day, but she'd been too busy to brood. Now it was brooding time.

The former administrative assistant to well-known self-help author and lecturer Dr. Isabel Favor says her employer is the boss from hell. "She's a total control freak," declares Teri Mitchell, who resigned from her position last week...

"She didn't resign," Isabel pointed out. "I fired her after I found two months' worth of fan mail she didn't bother to open." Her thumbnail crept to her teeth. "And I'm not a control freak."

"Coulda fooled me." Carlota Mendoza emptied a brass wastebasket into the receptacle on her cleaning cart. "You're also -- what was those other things she said -- driven and demanding? Si, those, too."

"I am not. Get the top of those light fixtures, will you?"

"Do I look like I got a ladder with me? And stop biting your nails."

Isabel tucked away her thumb. "I have standards, that's all. Unkindness is a flaw. Stinginess, envy, greed -- all flaws. But am I any of those things?"

"There's a bag of candy bars hidden in the backa your bottom drawer, but my English isn't too good, so maybe I don' understand this greed stuff."

"Very funny." Isabel didn't believe in eating her feelings, but it had been a horrible day, so she slid open her emergency drawer, pulled out two Snickers bars, and tossed one to Carlota. She'd simply put in extra time with her yoga tapes tomorrow morning.

Carlota caught the candy bar and leaned against her cart to tear it open. "Just outta curiosity... you ever wear jeans?"

"Jeans?" Isabel smooshed the chocolate against the roof of her mouth, taking a moment to savor it before she replied. "Well, I used to." She set down the candy bar and rose from the desk. "Here, give me that." She grabbed Carlota's dust cloth, kicked off her pumps, and tugged up the skirt of her Armani suit so she could climb onto the couch to reach a wall sconce.

Carlota sighed. "You're gonna tell me again, aren't you, about how you put yourself through college cleaning houses?"

"And offices and restaurants and factories." Isabel used her index finger to get between the scrollwork. "I waited tables all through graduate school, washed dishes -- oh, I hated that job. While I wrote my dissertation, I ran errands for lazy rich people."

"What you are now, except without the lazy part."

Isabel smiled and moved on to the top of a picture frame. "I'm trying to make a point. With hard work, discipline, and prayer, people can make their dreams come true."

"If I wanted to hear all this, I'da bought a ticket to one of your lectures."

"Yet here I am giving you my wisdom for free."

"Lucky me. You done yet? 'Cause I got other offices to clean tonight."

Isabel stepped down from the couch, handed over the dust cloth, then rearranged the cleaning bottles on the top of the cart so Carlota wouldn't have to reach so far for the ones she needed. "Why did you ask about jeans?"

"Just trying to picture it in my mind." Carlota popped the rest of the Snickers into her mouth. "All the time you look ritzy, like you don't know what a toilet is, let alone how to clean one."

"I have to maintain an image. I wrote Four Cornerstones of a Favorable Life when I was only twenty-eight. If I hadn't dressed conservatively, no one would have taken me seriously."

"You're what, sixty-two now? You need jeans."

"I just turned thirty-four, and you know it."

"Jeans and a pretty red blouse, one of them tight ones to show off your boobs. And some really high heels."

"Speaking of hookers, did I tell you those two ladies who hang out by the alley showed up at the new job program yesterday?"

"Those whores'll be back on the street by next week. I don' know why you waste your time with them."

"Because I like them. They're hard workers." Isabel kicked back in her chair, forcing herself to concentrate on the positive instead of that humiliating newspaper article. "The Four Cornerstones work for everybody, from streetwalkers to saints, and I have thousands of testimonials to prove it."

Carlota snorted and turned on the vacuum, effectively ending their conversation. Isabel shoved the newspaper in the trash, then gazed toward the lighted niche in the wall to her right. It held a magnificent Lalique crystal vase etched with four interlocking squares, the distinctive logo of Isabel Favor Enterprises. Each square represented one of the Four Cornerstones of a Favorable Life:

Her critics attacked the Four Cornerstones as too simplistic, and she'd been accused more than once of being both smug and sanctimonious, but she didn't take anything she'd earned for granted, so she'd never felt smug. As for being sanctimonious, she was no charlatan. She'd built her company and her life by applying those principles, and it gratified her to know that her work was making a difference in people's lives. She had four books to her credit, with a fifth coming out in a few weeks; a dozen audiotapes; lecture tours scheduled through next year; and a hefty bank account. Not bad for a mousy little girl who'd grown up in emotional chaos.

She gazed at the tidy piles on her desk. She also had a fiance, a wedding that she'd been promising to plan for a year, and paperwork she needed to attack before she could go home for the night.

She waved good-bye as Carlota wheeled away her cart, then picked up a thick envelope from the Internal Revenue Service. It should have gone to Tom Reynolds, her accountant and business manager, but he'd called in sick yesterday, and she didn't like letting things pile up.

Which didn't mean that she was driven, demanding, or difficult.

She slit the envelope with a monogrammed letter opener. The press had been calling all day for her comments on the newspaper article, but she'd taken the high road and refused to respond. Still, the negative publicity made her uneasy. Her business was built on both the respect and affection of her fans, which was why she tried her hardest to live an exemplary life. An image was a fragile thing, and this article would damage hers. The question was, how badly?

She pulled out the letter and began to read. Halfway through, her eyebrows shot up, and she reached for her telephone. Just when she'd thought her day couldn't get worse, now she had a screw-up with the IRS. And it looked like a doozy -- a bill for $1.2 million in back taxes.

She was scrupulously honest with her taxes, so she knew that it was one of their maddening computer errors, which didn't mean it would be simple to straighten out. She hated to pester Tom when he was sick, but he'd need to attend to this first thing in the morning.

"Marilyn, it's Isabel. I need to speak with Tom."

"Tom?" Her business manager's wife's speech was slurred, as if she'd been drinking. Isabel's parents used to sound like that. "Tom's not here."

"I'm glad he's feeling better. When do you expect him back? I'm afraid we have an emergency."

Marilyn sniffed. "I -- I should have called you earlier, but..." She burst into tears. "But I -- I couldn't..."

"What's wrong? Tell me."

"It's T-Tom. He's -- he's --" Her sobs caught in her throat like a jackhammer stuck in blacktop. "He's r-r-run off to South America with m-m-my s-sister!"

And, as Isabel discovered less than twenty-four hours later, all of Isabel's money.

Michael Sheridan stayed with Isabel while she dealt with the police and endured a long series of painful meetings with the IRS. He wasn't just Isabel's attorney but the man she loved, and she'd never been more grateful to have him in her life. Yet even his presence wasn't enough to avert disaster, and by the end of May, two months after she'd received that damning letter, her worst fears had been confirmed.

"I'm going to lose everything." She rubbed her eyes, then dropped her purse onto the Queen Anne chair in the living room of her Upper East Side brownstone. The room's warm cherry paneling and oriental rugs glowed in the soft light of her Frederick Cooper lamps. She knew that earthly possessions were fleeting, but she hadn't expected them to be this fleeting.

"I'll have to sell this place -- my furniture, my jewelry, all my antiques." Then there was the disbanding of her charitable foundation, which had been doing so much good at a grassroots level. Everything gone.

She wasn't telling Michael anything he didn't know, just trying to make it real so she could cope, and when he didn't respond, she regarded him apologetically. "You've been quiet all night. I've exhausted you with my complaining, haven't I?"

He turned away from the window where he'd been gazing down on the park. "You're not a complainer, Isabel. You're just trying to reorient yourself."

"Tactful, as always." She gave him a rueful smile and straightened a tapestry pillow on the sofa.

She and Michael weren't living together -- Isabel didn't believe in that -- but sometimes she wished they were. Living apart meant they saw too little of each other. Lately they'd been lucky to manage their weekly Saturday-night dinner date. As for sex... She couldn't remember how long it had been since either of them had felt the urge.

The moment Isabel had met Michael Sheridan, she'd known he was her soul mate. They'd both grown up in dysfunctional families and worked hard to put themselves through school. He was intelligent and ambitious, as orderly as she was, and just as dedicated to his career. He'd been her sounding board as she'd refined her lectures on the Four Cornerstones, and two years ago, when she'd written a book about the Healthy Relationship Cornerstone, he'd contributed a chapter offering the male point of view. Her fans knew all about their relationship and were always asking when they were getting married.

She also found comfort in his pleasant, unassuming looks. He had a thin, narrow face and neatly trimmed brown hair. He was only a little over five feet nine, so he didn't tower above her, something that made her uneasy. He was even-tempered and logical. Most of all, he was contained. With Michael there were no dark mood swings or unexpected outbursts. He was familiar and dear, a little stuffy in the best possible way, and perfect for her. They should have been married a year ago, but they'd both been too busy, and they got along so well that she'd seen no need to rush. Marriage couldn't help but be chaotic, even those that had been well thought out.

"I got the sales report on my new book today." She tried hard not to give in to the bitterness that kept trying to worm its way to the surface.

"It was just bad timing."

"I'm a joke on Letterman. While I was writing about the Financial Responsibility Cornerstone, my business manager was embezzling my money." She kicked off her shoes, then pushed them under the chair to keep from tripping over them. If only her publisher had been able to stop shipment, she could at least have been spared this final public humiliation. Her last book had spent sixteen weeks on the New York Times bestseller list, but this one was sitting unread on bookstore shelves. "I've sold, what, a hundred copies?"

"It's not that bad."

Except it was. Her publisher had stopped returning her calls, and ticket sales for her summer lecture tour had tanked so badly she'd been forced to cancel. Not only was she losing her material possessions to the IRS, but she had lost the reputation it had taken her years to build.

She took a deep breath against the panic that kept threatening to overwhelm her, and tried to look toward the positive. Soon she'd have all the time in the world to plan her wedding. But how could she marry Michael knowing that he'd be supporting them until she got back on her feet? If she got back on her feet...

She was too committed to the principles of the Four Cornerstones to let negative thoughts paralyze her. This was something they needed to discuss. "Michael, I know it's getting late, and you said you were tired, but we have to talk about the wedding."

He fiddled with the volume on her sound system. He'd been under a lot of stress at work, and her own troubles weren't helping. She reached out to touch him, but he stepped away. "Not now, Isabel."

She reminded herself that they'd never been a touchy-feely couple, and tried not to take his rejection to heart, especially since she'd put him through so much lately. "I want to make your life easier, not harder," she said. "You haven't mentioned anything lately about the wedding, but I know you're upset with me for not having set a date. Now I'm bankrupt, and the fact is, I'm having a hard time dealing with the idea of someone else supporting me. Even you."

"Isabel, please..."

"I know you're going to say it doesn't make any difference -- that your money is my money -- but it makes a difference to me. I've been supporting myself since I was eighteen, and --"

"Isabel, stop."

He hardly ever raised his voice, but she was coming on like a bulldozer, so she didn't blame him. Her assertiveness was both her strength and her weakness.

He turned toward the windows. "I've met someone."

"Really? Who?" Most of Michael's friends were lawyers, wonderful people but a little boring. It would be nice to add someone new to their circle.

"Her name is Erin."

"Do I know her?"

"No. She's older than I am, nearly forty." He turned back to her. "And, God, she's a mess -- a little overweight, and she lives in this crazy place. She doesn't care about makeup or clothes, and nothing ever matches. She doesn't even have a college degree."

"So what? We're not snobs." Isabel picked up the wineglass Michael had left on the coffee table earlier and carried it into the kitchen. "And let's face it, you and I can be a little uptight."

He followed her, speaking rapidly and with a kind of energy she hadn't heard in months. "She's the most impulsive person I've ever met. She cusses like a sailor and likes the worst movies. She tells terrible jokes, and she drinks beer, and... But she's comfortable with herself. She" -- he took a deep breath -- "she makes me comfortable, too, and... I love her."

"Then I'm sure I will, too." Isabel smiled. Smiled hard. Smiled forever. Smiled until her jaw froze, because as long as she smiled, everything would be all right.

"She's pregnant, Isabel. Erin and I are going to have a baby. We're getting married at City Hall next week."

The wineglass dropped into the sink and shattered.

"I know this isn't a good time, but..."

Her stomach cramped. She wanted to stop him. Stop time itself. Turn back the clock so none of this was happening.

He looked pale and miserable. "We both know this hasn't been working out."

The air wheezed in her lungs. "That's not true. It's been -- It's --" She couldn't breathe.

"Except for business meetings, we barely see each other."

She sucked in air. Clamped her fingers around the gold bangle she wore at her wrist. "We've been... been busy, that's all."

"We haven't had sex in months!"

"It's just -- That's only temporary." She heard the same edge of hysteria in her voice that she'd heard so frequently in her mother's, and she struggled to hold herself back, to stay in control. "Our relationship has... It's never been based just on sex. We've talked about that. This is -- It's temporary," she repeated.

He took a short, swift step forward. "Come off it, Isabel! Don't lie to yourself. Our sex life isn't programmed into your fucking PalmPilot, so it doesn't exist."

"Don't talk to me about PalmPilots! You take yours to bed at night!"

"At least it gets warm in my hand!"

She felt as if he'd slapped her.

He wilted. "I'm sorry. That was unnecessary. And untrue. Most of the time it was all right. It's just..." He made a small, helpless gesture. "I want passion."

She grasped the side of the counter. "Passion? We're grown-ups." She tried to steady herself, tried to breathe. "If you're not happy with our sex life, we can... we can get counseling." But there'd be no counseling. This woman was carrying Michael's baby. The baby Isabel had someday planned on bearing.

"I don't want counseling." His voice dropped. "It's not my problem, Isabel. It's yours."

"That's not true."

"It's... You're schizo when it comes to sex. Sometimes you get into it. Other times it feels like you're doing me a favor and you can't get it over with fast enough. Even worse, sometimes it feels like you're not there at all."

"Most men would appreciate a little variety."

"You need to control everything. Maybe that's why you don't like sex that much."

She couldn't bear the look of pity he gave her. She should pity him. He was running off with a badly dressed older woman who liked awful movies and drank beer. And wasn't schizo about sex...

She heard herself falling apart. "You're so wrong. I crave sex! I live for it! Sex is all I think about."

"I love her, Isabel."

"It's not really love. It's --"

"Don't tell me what I'm feeling, damn it! You always do that. You think you know everything, but you don't."

She didn't think that. She only wanted to help people.

"You can't control this, Isabel. I need a normal life. I need Erin. And I need the baby."

She wanted to curl up and howl from the pain of it. "Then take her. I don't ever want to see you again."

"Try to understand. She makes me feel -- I don't know... safe. Sane. You're too much! You're too much of everything! And you make me crazy!"

"Good. Get out."

"I'd hoped we could do this civilly. Stay friends."

"We can't. Get out of here."

And he did. Without another word. He just turned his back and walked out of her life.

She began to choke. She stumbled to the sink and turned on the water, but she couldn't breathe. She staggered to the kitchen window and struggled with the latch, then pushed her head out into the air shaft. It was raining. She didn't care. She gulped in air and tried to find the words to pray, but they weren't there. And that's when it hit her.

All Four Cornerstones of a Favorable Life had crashed in on top of her.