The last 25% was okay, but the first 75% is an arduous road to travel to get there. On balance, it's not worth trudging through the first 3/4 of the book for the last quarter.
For so much of the book the heroine is expected to sacrifice everything for the hero. Not just by him, but by the heroine's best friend, his best friend, and ultimately by the heroine herself. While that attitude prevailed in that time period, this is a romance allegedly written for a modern audience. This was not presented as a historically accurate depiction of a Regency- era husband and wife, but of true love and romance. But it's not the type of romance that I enjoy.
The problem is that for the first 3/4 of the book, the hero's perspective fails to give any indication that he is beginning to fall in love with the heroine. Instead, even in his internal musings, he seems completely focused with using her - and her money - for his own benefit without regard for what she wants. By the time he begins to demonstrate that he may actually care about the heroine - beyond his lust for her body and money - it's too late. The book is 3/4 over, and I was already turned off and didn't believe it. The hero truly is a toad, and he can't transform into a believable prince.
They first met when he gets completely drunk and ends up in her bed. She's still very young (17?). They are forced to marry, and he blames her: He thinks that she snuck into OW's bed and trapped him into marriage. He is young and stupid. He then deserts her for 6 years with no word.
He returns and needs money because his half-brother bankrupted their estate before dying. He wants to save his estate. She has a huge inheritance that is protected from her husband. He tries to seduce her into giving it to him to save his estate.
She refuses, even though she had a tendre for him from when they first met, because he just wants to use her. Despite this, everyone from her best friend to his best friend tells her to "convince him" of her innocence. Why is the burden on her? He was he one who got drunk and ruined her. Yet no one really tries to convince him that he's been a jerk. Up until the 75% mark, he never shows - even to the reader - that he feels more for her than just wanting her money. Oh yeah, except she's now attractive, so he lusts after her, so that's a bonus.
It was really offensive. She is the injured party, and she is expected to bend her pride and give him her money. And trust that he'll treat her right. When he never bothers to care about her.
Finally 3/4 of the way into the book, he suddenly changes his position, both externally and internally. Finally it begins to feel more like a romance. Even here, however, there is an annoying subtext that it is HER fault that he didn't change his feelings sooner. If she had just explained that he had been a drunken fool and it was completely HIS fault they were married, he would have begun to appreciate her sooner. Ugh. If he had truly matured and become a better person, I would expect to have seen some evidence of that.
And instead of having the hero demonstrate his new-found feelings for the heroine, the last 25% is used to present a ridiculous backstory for the heroine. This excessive backstory is used to explain why she didn't trust the hero and refused to bend to him for so long. In other words, the book is still condemning her for not forgiving him sooner while explaining why she didn't. Well, I personally didn't think that she needed a justification other than he was a jerk.
If it had been a semi-serious study in the plight of married women in Regency England, then I could have understood the emphasis on the need for the heroine to forgive and stand by "her man." But it wasn't. As a romance to appeal to a modern woman? I'd rather kiss a frog.