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As owner and administrator of the Hardman bank or investment company, Luke Granger is a guy of responsibility and integrity in the tiny 1890s Eastern Oregon town. Dialling in an extended overdue loan, Luke discovers himself reluctantly taking a bargain in lieu of payment from the shiftless farmer who barters his girl to stay his debt. Philamena Booth is both mortified and relieved when her dad directs her off with the banker as payment of his debt. Held captive on the plantation by her dad since the fatality of her mother greater than a decade before, Philamena is pleased to leave. If only it had been someone apart from the good looking and charismatic Luke Granger driving in to save her. Ready to uphold her end of the good deal as Luke's cook and housekeeper, Philamena is prepared for the hard work ahead. What she isn't prepared for has been pressured to marry Luke within this crazy Holiday bargain.