We're back

Noel says Franny is approaching this in a good way and isn't getting too excited yet.

Banker time

Banker's offer:

£17,500

Franny says that is really very nice!

Franny says NO DEAL

For such an incredible board, Franny's getting really poor offers.

Round 4

13 - Carmine - £1,000

15 - Adam - £15,000

9 - Vikki - £250

Banker time

Remember the producers don't want people dealing before 5 box so we get the Scrooge or Santa twist.

Noel says it's rare to have an 8-box with only one power 5 missing. He tells the banker to cheer up as it's Christmas!

Banker's offer:

£25,000

For someone who needs the money, he might be tempted to take this but this board is that strong, it should be a no deal.

Stephen says you need courage and a good board to win the £250,000, and Franny has both of those. Franny says it's a great offer... the banker phones and says someone is looking down on Franny, and they can see him as he has no roof over his head! Franny says the banker's nasty!!

Franny says NO DEAL

It's about 3.7% chance of having 4 of the power 5 left at 8 box.

Round 5

18 - Chris - £100,000

2 - Gaz - £35,000

8 - newbie Courtney - Noel calls a break

We get to see another Christmas Past clip, and now it's Ellen who won £75,000 in Dec 2008.

If Franny had dealt at £25k, I think Noel would still just about be in "not enough" mode after the last 2 reds so as long as this next box is £10k or below, this round won't be too damaging.

We're back

Last box before the Banker

Noel talks up Franny's strong board.

8 - newbie Courtney - £250,000

Santa vs Scrooge time

Great, now Noel's going to bang on even more about the curse of the newbie! He's meant to be neutral when it comes to picking boxes, darn it.

Still, it's not over yet. He could still win a big amount.

Noel says this game is not over. The banker phones and says he loved seeing Franny's disappointment at that round.


Santa vs Scrooge 2009 Gameplay:

If a player gets to 5-box, they can open a mince pie, a carrot or a bottle of sherry. There's 1 Scrooge and 2 Santas. If they reveal SANTA, they get an offer after every box and win a holiday for 2. If they find SCROOGE, then the banker looks in their box, their is no offer after every box but a SWAP at 2-box is guaranteed.

Franny chooses the CARROTS, and they contain SANTA

The MINCE PIES contain the other SANTA

THE SHERRY contains the SCROOGE

Banker time

If this was a normal game, would £25k have been taken, I wonder?

Franny now gets an offer after every box.

Franny pulls a holiday box out of the sleigh, and Noel says we'll find out what's in it at the end of the show.

Banker's offer:

£15,000

£15k is so close to the mean, it leaves little scope for reward unless he takes both blue out in the next 3 boxes. Deal for me here.

Noel says that's a clever offer, and Franny says the money would sort out his housing issues. Sanjay says he thinks Franny will be lucky. The others offer Franny some advice, and Franny says he's not sure what boxes he'd choose now.

Franny says DEAL

Very sensible deal even for a player who didn't need the money