Terri Reed here. I'm going to piggy back on Margaret's post from yesterday and tackle it from the writing aspect. The question Margaret posed, What Scares You, is one I ask my characters when I'm first developing them. A dear friend taught me the onion method. Sounds stinky right, but its great. You ask this question of the character. The first answer is very superficial and benign. Guys might say, nothing or something that relates to their job, like a cop saying shooting an innocent bystander. Women might say something like, snakes! (my answer!) or the answer will be more relational such as someone hurting someone they love. This outer layer of the onion, if you will. You ask again. Okay the next answer might have a bit more substance, be a bit more personal, but still only the second layer. You keep asking the question, peeling away the layers until you find the heart of what scares the character, which is usually a deep seated psychological fear. This fear is not rational, even though it might be easily understood, i.e.: abandonment, betrayal, unlovable, unworthy. This fear usually stems from some wound the character has experienced in their past, most often in childhood or in a previous relationship. In a romance, that fear is the crux of the conflict between the hero and heroine.
To see how they worked out their conflict, you'll have to read the book! (Jackie has her fair share as well--it wouldn't be a good romance without lots of conflict :-)