Lucy spies lights on the sands of Morecame Bay one night and slips down the cliffs, dressed in men's clothing, to investigate. She ends up rescuing a man named Kit whose leg is pinned under a box with the tides fast approaching. Reluctantly, she half-drags Kit to the cottage in order to help him heal. Diana stays out of sight. He's the younger son of an earl, a position that has left him at loose ends for most of his life.
Kit is no fool.
He knows Luke is really a girl, and his natural curiosity and inborn gallantry make him decide to help this pretty young woman. I found Kit to be a most delightful and unusual hero. He's a man who, up to this point, has been quite happy to roam Europe and let his older brother dole out the allowance money and run the family estate. When he meets Lucy, his desire to help her is touching. Kit reviews his options and concludes that the best one is to take the ladies to the family estate and let his formidable brother take them under his wing.