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Jenny McLean is a single mom working at a 911-call center struggling to make ends meet and raise her two kids, Elsie and Luke. Although still reeling from her divorce, Jenny can’t help but flirt when she gets emergency calls from Jeff, a local firefighter she nicknames “Cowboy” for his handsome voice. When Jeff is hurt in the line of duty, he finds himself unable to climb stairs and needing to rent a first floor room from Jenny. It isn't long before the sparks are flying but can Jenny allow herself to take the risk?