 While Cody is preparing for the Boston Spelling Bee, Zack tries to borrow money from his mom for video games. When his mom won t give him money, he borrows from everyone else in the hotel. He finally borrows $30 at 20% interest from a rather large bully. He tells Zack to pay up, "or else." After Cody and the bully become the final two contestants, the bully offers Zack another out: get Cody to lose, "or else." Zack realizes that he should let Cody do his best. It turns out, however, that the "or else" isn t being beaten up- it s having his mom find out.