Mari Madison wants only two things for Christmas: to help her mother win the town's annual holiday decorating contest and to reinstate her good-girl reputation so that she can start her business on the right foot. Then across the street she spots the best-looking Christmas package she's ever seen…and realizes it's Declan Cole. The man who ruined her reputation in the first place. The man who's sure he's going to win the contest. So sure that Mari and Declan decide on a bet. If she wins, her spot on the nice list is guaranteed. But if he wins…he gets to prove that naughty is nice.