5 well earned stars! The title is perfect and makes so much sense now that I've reach the end! There was a lot of underestimating all the way around, I know that I completely underestimated how this story would effect my emotions. What a journey! I've missed reading good stories like this that really take their time. The first half of Underestimated had a slow and purposeful build. At the time, the slowness was little frustrating but not enough to make me want to stopped reading. I still wanted to know Morgan's story and I had no idea that things would take the turn they did. By the time I reached the second half, I realized that all of those details and the recalling of emotions were important because it helped me understand Morgan's struggle with deciding what she knows is right and what felt right to her. Yes, I wanted to slap her often but could see where she was coming from! The author seamlessly converted me in to desperately wanting something I knew I shouldn't but I couldn't help myself! Underestimated was a mixture of Consequences, Captive in the Dark, Fifty Shades, Thoughtless, Safe Harbor, Sleeping with the Enemy and maybe even more if I think about it a little longer. My mind was going crazy! This is definitely going in my favorites!