Nicole is home and Cassidy admits Kyle has paid his debt after he visits Latnock's college campus facility, meets its generously provided for assorted 'regular' geniuses but declines to join. After the kids discover the Tragers can't pay the huge hospital bill, desperate plans are made to raise the fortune themselves. Josh thinks of renting out Jessi's flat as love nest. Kyle feels guilty for the accident and decides to win enough by entering a Latnock inventors competition, a floating board, but jealous regular Nate Harrison meanly sabotages his project. So Kyle still needs help from everybody else, and the clock is ticking.