Upon arrival at the casino, where Mike was actually banned in the past for counting cards, Harvey finds out that his friend, Keith Hoyt, is playing poker. This worries him since Keith is an alcoholic and a compulsive gambler.

When they arrive at the table, Keith had just bet $3 million dollars, which he loses. He later reveals that he put up his company as collateral to Thomas Walsh for the money he borrowed and, since he lost, he also lost his company...with a contract signed on a napkin.

While Harvey tries to talk to Tom and his lawyer, Mike explains to Keith that their napkin contract would be valid if it had the minimum requirements: an offer, acceptance, and consideration, all of which the napkin has.