Andrea is really competitive and also she's always sure that she's going to win, no matter what the challenge. This, of course, offers a great opportunity for anyone who can cheat at cards to get one over on her. So sure was she that she was going to win in the final card game, that she readily agreed that the loser must pay a forfeit. By devious means she lost the game, and the forfeit was hers to pay. The look on her face was priceless when she read that it involved lots of sloppy mud, a plastic jug, her best riding gear and a horse.