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Content Warning: This section of the guide includes discussion of physical abuse, addiction, substance use, and sexual content.
Hayley left a note for Lottie that read, “Gone to the big house to find Florrie” (166), so she hurried over. When the police question Lottie’s caregiving, she blames a broken security gate that her landlord never fixed.
When it seems like the police will call social services to tell them of this negative incident, Ollie surprises everyone by stating that Lottie is his fiancée. His influence prevents social services from being involved, though there will still be a police report. He assures Hayley that she’ll see Florrie often, earning a rare, beaming smile from her.
After Mrs. Higgins brings Hayley to another room, Lottie argues with Ollie. She’s angry that he lied to the police and made promises to Hayley. Ollie blames her for not telling him about Hayley, saying that he would’ve understood her need for money.
When Ollie says that the situation is her fault, Lottie breaks down, admitting that she feels like everything is her fault and has been strong for Hayley for so long. Ollie comforts her, acknowledging that she’s doing her best and apologizing for being so hard on her lately. They reconcile, and their conversation leads to a kiss and an agreement to live together.
Ollie sees Lottie’s living conditions and insists that she and Hayley need to move out of their unsafe apartment immediately. After looking into Lottie’s background, he learns about everything from her time in foster care to becoming Hayley’s guardian. He regrets not knowing more about her struggles and wishes that he’d been more supportive.
They talk about past mistakes, including Ollie’s new understanding of why Lottie took the deal with Margot. He apologizes for her tough life, but Lottie insists that he can’t just fix things with a fake engagement. Ollie promises that he never hated her, apologizes, and reaffirms that he wants to be with her. They grow closer through forgiveness.
Lottie and Hayley move in. Margot visits as they unpack, and their interaction is initially awkward, but Margot shows her softer, motherly side, especially toward Hayley. While Hayley packs up her room, Lottie assures Margot that she didn’t break their agreement. Margot expresses gratitude for Lottie’s work with Vicky and for helping Hayley, admitting regret for manipulating her. She’s happy for her and Ollie. She also acknowledges Lottie’s role in making Vicky millions and assures her that the money issues are resolved now, especially since they’re going to be family. Lottie is relieved.
Ollie lets Lottie sleep in, understanding her exhaustion. He bonds with Hayley, even making a messy breakfast. When Lottie wakes up, she finds them connecting, and Ollie insists that she rest, assuring her that Vicky is fine with a day off. He gifts Lottie a new laptop for work and school and then offers to take Hayley to school. Lottie isn’t used to being taken care of, but Ollie’s kindness touches her. However, she’s still hesitant about kissing in front of Hayley and wearing the engagement ring.
Lottie, Hayley, and Ollie attend a lavish mansion party with a pool and horses. Both Lottie and Hayley feel out of place, especially since they couldn’t afford swimming lessons. Hayley and Florrie quickly head toward the horses though.
Lottie feels uncomfortable in her simple dress, and when Claire and Blake arrive, she notices Blake’s tight grip on Claire’s arm. Instinctively, Lottie snaps at Blake to let her go, shocking everyone. She regrets speaking out and pretends that the heat is affecting her. She can’t shake her concern for Claire, sensing that Blake is dangerous.
Lottie continues to feel out of place at the party. Margot keeps introducing her as “Charlotte” because it sounds more proper, and Lottie doesn’t speak up since she isn’t in a position of power. When she excuses herself to get a drink by the pool, someone pushes her in. Lottie can’t swim, which the posh people can’t comprehend, so Ollie dives in and saves her.
At the pool’s edge, Hayley checks on Lottie’s well-being. She also communicates nonverbally that she saw Blake push her in. Lottie felt someone push her in, but she changes her tune and says that she probably tripped. Blake is giving her a death glare, and she thinks family loyalty would win out if she tried to accuse him.
After Lottie nearly drowns, Ollie rushes her inside to recover, clearly terrified by the ordeal. Vicky, furious with everyone, comforts Lottie and points out their thoughtlessness. She criticizes them for giving Lottie champagne despite her aversion to alcohol due to her mother’s addiction and for continuing to call her “Charlotte” when her legal name is Lottie. The group grows uncomfortable as Vicky’s blunt truth hits hard.
Ollie is confused and saddened by Lottie’s silence in the face of others’ wrongdoings. He asks why she didn’t correct the name or decline the drink. Lottie explains that she and Hayley have always had to be agreeable to avoid being excluded from upper-class circles. Through having jobs without power, she learned to cater to the rich and never rock the boat.
Realizing the pain that he and people like him have caused her, Ollie apologizes deeply. He promises that she can rely on him and that he’ll spend forever earning back her trust. With a confession of his undying love, Lottie is in awe. Their intimate conversation leads to their first time having sex. Ollie nearly cries, and they agree that they belong to each other.
During a business meeting with Vicky, Felix, and the others, Lottie shares that they didn’t land a recent deal, yet she’s smiling. Vicky bluntly states that Lottie and Ollie have made up and are having regular sex. Lottie blushes, though it’s true; she’s high on endorphins from being in love. Felix and Lucy are obviously in love too.
While meeting with a client, Lottie receives a call saying that Hayley has been hurt in a fight at school. Panicking, she yells at them until Ollie grabs the phone, warning the principal that he’s the duke and that they better keep Hayley safe until they arrive.
The fake-engagement trope that readers were promised in the premise takes center stage in this section, working to both resolve tension and create new conflicts. Ollie’s surprise statement that Lottie is his fiancée intensifies his role as the romantic hero and protector/savior: “I’m Lottie’s fiancé, you see, so really, this is Hayley’s second home. In fact, this is all just a big misunderstanding, seeing as Hayley didn’t actually run away” (168). As the stakes rise with the police, Ollie’s willingness to protect Lottie and Hayley—even if it means taking control with a charade—confirms his feelings for Lottie and his evolving role as a support system. His intervention is fundamental in preventing child services from getting involved, a threat that could have torn Lottie’s and Hayley’s lives apart. The fake-engagement trope allows for a dramatic shift, where the seriousness of the situation is upended by the absurdity of Ollie’s shocking twist, creating a juxtaposition that lightens the tension enough to reset the stakes. This act of protection shows Ollie’s genuine commitment. His action also shifts the focus of the plot, as both protagonists must face the complexities of this lie for Hayley’s sake and their own future relationship—including the question of whether their romance is real.
Lottie’s emotional breakdown in front of Ollie is crucial to her character evolution, releasing the built-up tension of her caregiving role and her internalized pressure. Having shouldered the responsibility of looking after Hayley for so long, Lottie finally allows herself to be vulnerable, breaking down in a raw and heartfelt display on page 174. This scene marks a major escalation, emphasizing her growth as she finally admits the weight of her struggles and allows herself to be vulnerable in front of someone. Her vulnerability deepens her relationship with Ollie and serves as a cathartic release, signaling her internal shift. She learns to trust Ollie enough to be emotional with him, not hiding her struggles from everyone. This breakdown is a turning point, showing Lottie’s acceptance of the need for help and the importance of letting go of the illusion of self-sufficiency. As Ollie supports her, their bond solidifies, and Lottie is forever changed by the tenderness of this exchange, which assures her of her self-worth. The scene showcases The Redemptive Power of Love, as both Lottie and Ollie have grown through their bond.
A main conflict is foreshadowed when Lottie notices Blake’s manipulative and abusive behavior, which is escalated by Chapter 26’s cliffhanger. Blake’s role as an antagonist is amplified as his actions grow increasingly sinister, especially in the context of Lottie’s growing awareness of his intentions: “But I knew a predator when I saw one. I knew a dangerous atmosphere when I felt it. And I could sense fear acutely. Blake was dangerous. And Claire was afraid” (213). His behavior heightens the emotional stakes and tension as Lottie grapples with the danger he poses to Claire, Florrie, and possibly herself and Hayley. Claire, as a minor character, adds another layer of complexity, contrasting Blake’s cruelty with her more passive and victimized role. Lottie’s struggle to navigate Blake and Claire’s toxic relationship ties back to her fear of losing stability—including financial security, emotional safety, and Ollie. The cliffhanger ending of Chapter 26 leaves Lottie at a crossroads, capturing both the immediate threat and the long-term consequences of Blake’s manipulation.
Summary and point of view are used again to reveal backstory and tighten Ollie and Lottie’s bond. Ollie uses his privilege for good by investigating Lottie’s life history, and his perspective reveals what he has learned about Lottie’s past:
Just like Lottie had said, she had been on her own since the age of ten. That was when she was removed from her mother’s care after repeated concerns raised by the school. Her mother was an alcoholic, father passed away when she was six. From aged ten to sixteen Lottie was in and out of foster care until she returned to her mother’s care. Her mother had been sober for a year and in that time had managed to find a new husband and get pregnant with Hayley (180).
These specific details about Lottie provide context for her current actions and emotions. The effective backstory sheds light on her history, serving as a means for Ollie to understand her more deeply. His intensified empathy helps him change into a more reliable man, feeling a mix of guilt and a stronger desire to assist her. The backstory enriches Lottie’s character, explaining her motivations and the emotional scars that drive her. As the layers of her past unfold, Lottie becomes a more complex figure, and the readers are drawn with Ollie into her internal conflicts—particularly her self-reliance and her difficulty in trusting others. The summary and Ollie’s analysis about Lottie further resolve some of the tension between Lottie’s past and present, giving Ollie more reasons to be dependable for her and Hayley.
Ollie’s apology, his confession of love, and the sex scene are quintessential romance tropes, fitting within the context of their evolving relationship and illustrating that The Impact of Economic Disparity on Relationships can be overcome. Structurally, Ollie’s confession comes after their multiple conflicts, deepening its impact: “‘I’m in love with you, Lottie,’ I told her. ‘And I’ll spend forever making it up to you. I’ll spend forever proving that you can trust me’” (232). Likewise, Lottie’s apologies highlight her self-awareness, contributing to an equal exchange where both she and Ollie acknowledge their past mistakes. Lottie’s hesitation to accept his love creates tension, rooted in her fear of being let down again. However, Ollie’s sincerity and her gradual softening shift their romantic arc, leading to genuine intimacy. Their union underscores themes of personal growth, love, and forgiveness; Ollie’s change is evident immediately when he remembers Lottie’s vulnerability and ensures her comfort and consent before they make love: “[S]he was half-dressed and vulnerable and I, arse that I was, had kept my bloody suit on. I’d thought it gentlemanly […] but now I could see that to her it must have looked like I had all the power […] I wasn’t going to make the same mistake again” (234). These connected plot points, leading from mutual apologies to intimacy, cement their ongoing connection and effectively illustrate romance motifs.
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