Yeah, out of the blue is kind of how these things always happen. Just... unless you want "out of the blue" to literally be some naked guy falling from the sky like in Rose's suggestion last year then keep an eye out on sites like that ;-)
Picture this:
It's a long holiday weekend (Christmas?), and Hair and ecurbh have taken off for a winter getaway at the beachhouse. Rosie is there with the dogs and the cats and the horses and a mild case of the sniffles.
The weather has suddenly turned very bad. It's twilight (short days up yonder), and Rosie's just climbed her steps after settling the horses. Just as she opens the door, a man rushes up the steps behind her and tackles her from behind, pushing her through the door and landing atop her on the floor.
He's not quite naked --- he's wearing a pair of those oh-so-very sexy boxer briefs --- but that's all he's wearing. No socks, no shoes, and no shirt ... oh, my! It's Dr. "Eye" Candy, Ph.D., on the run from bad guys and in need of some first aid and a good woman ...