When those three little words aren't enough.Jamie Sutherland finds herself falling in love with her irresistible next-door neighbor, Joseph Scarbrough. No surprise there. But when she wakes up in his bed, she's stunned that even in her sleep, she can't resist him.As their relationship heats up, Joseph gives Jamie a key to his apartment and he finally gives Caroline, his relentless ex-girlfriend, the boot. Jamie's excited to think he just might be the one.But how do you tell the man of your dreams you love him when he insists that he can't fall in love?