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Not Without Risk (1995)

by Suzanne Brockmann
(#1 in Undercover Cops)

Emily Marshall has stopped looking for love and got engaged to a man who can give her the material things in life. Unfortunately while on a short overnight cruise in his yacht she overhears a conversation that tells her he's into something very illegal. She sneaks away from her daily routine to let the police know what's going on -- and after waiting in a room for a long time, who shows up but the man who broke her heart, Jim Keegan.