Fortunately my brother was right there and I made him take it off her. (Thanks Bill!) We spent the next 20 miutes combing over both puppies and turned up 6 ticks-- 4 on Lucy and 2 on Rosie, all from just playing in the yard and the edges of the woods outside our rental house.
The puppies themselves could not have cared less, and in a kind of mental good luck-bad luck exercise, I convinced myself that despite the presence of filthy disease-carrying parasites crawling all over my precious puppy, the fact that the ticks were small (but not tiny deer ticks) and had not yet firmly attached was positive.
Life Lesson: If you can't see the bright side, try polishing the dull side.