Paul can't believe that Penny is going to reject a loan that's already been approved and gets a bit worked up. Penny says she disagrees with Des's decision and she's in charge at the moment. Gail asks Penny for her reasons for the decisions. Penny says 95% is higher than the bank's normal parameters and the collateral is a worry too. If interest rates went up, they wouldn't be able to make the repayments.
Paul says he'll take the issue up with Des and walks out.
Bronwyn is hoovering and asking Des about his relationship with Penny. He seems quite happy with the situation. Bronwyn is pleased for him.
Bronwyn hasn't worked out who sent the anonymous letters yet - all she can think is that it might be someone she used to go out with back home. She tells Des that Henry has been trying to play the macho man, but Des thinks she's being too hard on him - he's probably genuinely concerned about her. Bronwyn decides to go and talk to Henry.
Henry has all his tools out on the kitchen table. Madge comes in and says Harold is upset about the smell of the ointment. She's not happy about all the tools being on the table.
Madge answers the door to Bronwyn. Bronwyn tells Henry that she owes him an apology for the other day and Henry accepts it. She tells Henry that she's had another letter but Henry says the writer will make a mistake sooner or later and then they'll have him. In the meantime, Bronwyn should just relax. They snuggle up on the sofa.
Jim, Beverly, Helen and Nick sit down to dinner. Nick says Helen has been walking without her frame but Beverly says that she mustn't rush things. Beverly says she's going to give the medical conference in Perth a miss to stay home with Helen. Helen isn't pleased with this but Beverly says she's made up her mind - Helen's recovery is more important to her than giving a speech to a bunch of doctors.
Paul and Gail have told Des what happened at the bank, and he's not at all happy about it. Paul insists that his future is dependent on this deal and Des says he'll have a word with Penny, but he can't make any promises.
Henry is telling Bronwyn bad jokes. They are both leafing through Kangaman comics. Henry tells Bronwyn that if it would help, he could set up an ambush to catch the writer of the poison pen writer. He suggests they could sit across the road in Bertha and keep watch. It would be one way to get away from Harold's snoring anyway(!)
Everyone has gone out and Helen is enjoying the peace and quiet and talking to Nick and Madge. Nick suggests that Helen has another go at walking unaided before they all come home. Helen gets up and takes a few shaky steps. Helen stumbles on step 6 and Beverly comes in the back way and makes a fuss. She says she's made the right decision in not going to Perth. Madge says that Helen has plenty of friends to help her out if Beverly goes to Perth. She says Helen is fed up of being fussed over and mollycoddled. Helen interjects that she's had it "up to here". She tells Beverly to go to Perth - under the circumstances, she thinks it'd be best for both of them.
Des comes in to see Penny. He starts on her straightaway for knocking back Paul's loan. He says he known Paul for years, but Penny says that the bank doesn't share his confidence. Paul simply doesn't have enough security to cover the loan. Des says he was wrong to mix business with pleasure - from now on he'll keep them strictly separate. Then he storms out.
Paul and Gail's
Des tells Gail what happened with the loan and she thanks him for trying. She says it might even be a blessing in disguise - she was never that thrilled about over-extending themselves and they can start another business if necessary. Des is thinking about walking away from Penny too, but Gail didn't realise they were back together. Des says that's it for him - he's through with Penny.
Madge is preparing Henry a flask for his night on surveillance. He's really happy to be doing something to help Bronwyn.
Bronwyn comes round with a blanket and says she's going to join Henry in the car. However, Henry thinks it'll be too uncomfortable for her and she might get upset if the letter-writer turns up. Bronwyn agrees and gives Henry the (pink) blanket.
Katie is fed up that she's been banned from watching telly, so she goes to bed.
Helen and Nick are off to an art exhibition by taxi. When they've gone, Beverly and Jim tell Paul that he should try another bank, but Paul thinks it's useless.
Ramsay Street, early in the morning
Henry has fallen asleep when a motorbike drives up and leaves a letter in Bronwyn's mailbox. He wakes just as the bike pulls away. He goes to check the mailbox.
Des is trying to be quiet, but knocks something over and wakes Bronwyn up. She goes out to get the milk.
Bronwyn sees Henry and he shows her the letter he's found. Bronwyn thinks Henry has been writing the letters to get back at her. She walks off crossly leaving Henry quite bemused.