Ray's business has benefited from their TV commercial, so Nick decides that they should have one too. Phil conceives it and Nick says he'll finance it. However, to his surprise, Nick learns that he's broke. So he has to apply for a bank loan. Which he can't get. Owen gets to go out on a date with the girl of his dreams, Jenny. He just has to make a difficult decision first: hat or no hat? Hannah's parents cause her trouble during their visit. Pizza Girl's home assignment from her painting course is to paint someone close to her in the nude.- Written by Toni Tapola, Finland
Nick discovers that he's broke, Owen goes out with the girl that saved his life, and Hannah's parents come to town.- Written by Peter Brandt Nielsen
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