A night on the town after a group lottery win leads to trouble for shy Gwen Tanner. Now, seven months later, she's expecting twins and has no way of contacting the father. Then Eli Garrett shows up ready to start a family. But circumstances make Gwen wonder if Eli wants her or her money. The folks of Millionaire, Montana return in FORTUNE'S TWINS (3) with a nicely done addition from Kara Lennox.