Surfer Josie Griffin recovers a chest from the ocean and inside is a jeweled amulet. She can’t help putting the necklace on, and that’s when a mysterious dwarf appears, visible only to her. He claims it’s her destiny to marry the MacNeil, leader of the clan in Scotland. But when she goes overseas on business and finally meets the guy, he’s been dead for 300 years. A romance with his ghost ensues while she teaches the folks in his village how to surf. I was somewhat disappointed this wasn’t a time travel novel and had trouble accepting her surfer persona, any woman falling for a ghost who doesn’t plan to stick around, and the modern setting. Be assured of a traditional HEA ending, but I would have preferred this story with an actual time traveling element.