Jim asks Paul and Gail if there is any chance of a loan to help with the $100,000 he owes for his mother's medical expenses. Paul is sorry but he doesn't have any money to lend. He's been trying to tell Gail all day but they keep getting interrupted... Rosemary is selling they Australian arm of the business to him. Gail is not sure it's worth the risk but Paul says he couldn't let somebody snap up everything they have worked for. Jim leaves and Gail is angry with Paul for not consulting her.
Madge opens the door to Rob who tells her Gloria has walked out on him. He's turned into a green- eyed monster since Gloria lost weight. Madge tells him there's no harm in other men looking at her. Rob asks Madge if she would tells Gloria how much he loves her. Madge thinks it would be better coming from Rob but he asks her to at least arrange for Gloria to come and see him.
Lucy, Todd and Katie are writing Christmas cards. Todd thinks he and Katie should buy Jim and Beverly a present before they go back to Adelaide. Katie goes to ask what they want but overhears Jim saying the kids won't have much to look forward to this year. They're going to have to mortgage the house. Beverly can't believe Hilary won't sell the figurine; can't she find something to do with $40,000? Katie makes her presence known and asks why Aunt Hilary is being so mean.
Mark has brought Jane her favourite champagne but caught her wearing grubby clothes after having a ride in Toby's billy cart. He offers to go and change into something "daggy" but Jane likes him the way he is... a lot. They kiss.
Paul and Gail are still arguing. Paul says they have enough collateral... including the house. Gail says the house is in her name and she refuses. Gloria appears for breakfast and wants to get a job now she's single. She asks Gail to consider her for the housekeeping position at Lassiters. Paul and Gail are clearly horrified.
Lucy is rubbing it in that she's on holiday but Todd and Katie still have to go to school. Hilary comes in and tells them she's going back to Adelaide today.
TODD: Great! I mean, I hope you have a nice trip back.
HILARY: Well, you don't have to look quite so pleased, Todd!
Hilary tells Katie they'll see each other again soon when she and Todd come to Adelaide for Christmas. Katie explodes, telling Hilary that Jim and Beverly will never have any money again because she won't sell the figurine.
KATIE: You're a mean, horrible person. You're just like old Scrooge from a Christmas Carol! He made people's lives miserable and that's exactly what you're doing to Uncle Jim and Auntie Bev.
Number 24 back yard
Madge is hanging the washing on the line when Gail arrives to ask if she would be willing to take Gloria on as part of the Waterhole staff... and convince her that it would be more enjoyable than the housekeeping position.
MADGE: Rob was over here last night; he wants me to talk to her about something else so I'll kill two birds as the saying goes.
GAIL: Thanks, Madge. Ever thought of charging?
MADGE: A hundred dollars please!
Jane checks that everything is OK with Paul and he says it's just a business problem. Paul notes that Jane seems chirpy and asks if it has anything to do with Mark Granger. Jane says he's a fantastic guy and it just seems right. Gail comes in and Paul shares the news with her. Jane says whenever something is going well for her she can't help feeling something's going to go wrong.
Beverly is getting ready to leave. She has some Christmas presents to leave under the tree but gives one to Jim and Beverly to open now. It's the figurine. She tells Jim to sell the pair and put the money towards the medical bills. Jim says she will get her share but Hilary tells him it's her gift to him. She never really liked it anyway! She tells Jim to just make sure the figurine stays intact, unlike her dolly! Jim leaves to take Hilary to the airport and Beverly tells Lucy it's going to be a good Christmas after all.
Later, Jim, Lucy and Beverly are putting up Christmas decorations when Todd and Katie come home. Jim tells Katie she shouldn't be rude to adults but he's glad she spoke her mind to Hilary. Todd is sad that they won't be here for Christmas so Lucy suggests having an early Christmas before they leave.
Paul is trying to convince Gail they will be set up for life and reminds her of when they nearly lost everything because of Derek Morris. Nobody will ever be able to jeopardize their livelihood again. Gail agrees to look at the figures. Gail gets a phone call from Pru with a message for Mark. Gail is clearly disturbed and says, "Poor Jane".
The complex is decorated for Christmas. Gloria arrives to see Madge who offers her a job as a barmaid. Gloria is keeping her fingers crossed for the housekeeping job but Madge tells her that being a barmaid would suit her personality and the tips come in handy. Gloria is convinced (that was easy) and Madge says she'll fix it with Gail! Rob appears and asks Gloria if she's ready to come home. Gloria says she's making a go of it on her own; she's a barmaid and proud of it! Rob is not pleased with Madge.
Jane and Mark walk across the bridge and Jane asks Mark what else she doesn't know about him. Mark says he loves her. They kiss and then Jane heads to the office.
Gail awkwardly tells Jane there has been an important call from the US... from Mrs. Mark Granger. It seems Mark is married.