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Nick Turnhouse is a Dorset farmhand, a third son with nothing to inherit and no future, working his father's land for his keep. He is also tall, powerfully built, and handsome, and crosses the path of Squire's impressionable daughter. Nick has to run, fast, with ten shillings and his father's blessing. Luckily, or so he thinks, he comes across a kind gentleman who can help him. After Nick is persuaded to say that he is looking for work, he discovers the man is recruiting for the Navy, and Nick has just 'volunteered in fact'.

Captain Nathaniel Perry has survived the Battle of Waterloo with some slight distinction, and finds himself respected in his fashionable mess on the regiment's return to England. That is a problem, for he has no private income. He had managed well enough on his pay on campaign, but could not do so in the Peace. Simultaneously with his promotion to major in acknowledgement of his actions at the Battle, he is called to London at the behest of a dying grandfather, a merchant who had disowned him, disapproving of his mother's marriage. Perry discovers he is the sole surviving heir . . . and rich.

A hurricane is bearing down on the Florida coast. At one of Palm Beach’s most prestigious hotels a guest dies. Was it an accident or murder? Trapped by the storm, Miami Jones and his nemesis from the local police department must match wits in a search for the truth, before the rising water or something worse consumes them all.