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I have read each of the books in this series so far and I would absolutely recommend that you read them in order. You CAN read this as a standalone but you get far more from the book if you read the others first.
Jenny and Tanner are living their normal lives, on Tanner's boat, and Jenny is trying hard to get Tanner to learn how to sail. She spent her youth on the water and enjoyed it, and thinks he would too - if she can only persuade him to try it. She ends up spending time with an old friend called Rob, a good-looking fella who is also of the sailing variety. They find a body, to their horror, and this starts off a whole chain of events which puts Jenny in grave danger.
I have to admit that this was my least favourite book of the series thus far. Jenny seemed to be playing too many games with Tanner (whilst he was worried sick about her), there were a few threads that weren't tied up and the end was unsatisfying. I wanted to give Jenny a good talking to, a number of times! I just got irritated.
Mind you, all of that wouldn't stop me from reading the next book in the series, if I got the chance :) Despite everything, I like these two, and the rest of their team.