A cash strapped Stuart is alarmed by his negotiations with the Insurance Company over the fire at the pub. Enlisting Mark's help, Stuart goes in to bat for the best deal he can get in an increasingly fraught situation. Dodgey deals turn ugly and Stuart is forced to make some drastic compromises. A colleague from Helen's banking past arrives in town causing her real anxiety. Helen's relationship with Janine Baker, now the ex Merchant Banker cum Tarot Reader, was always based on masked rivalry more than true friendship.