Synopsis:
The bills — left by Joyce Summers — are stacking up. As Buffy and Dawn begin dealing with their bad financial situation and flooded basement, the Slayer attempts to apply for a bank loan. You would be a fool, "a damn fool", to miss this episode jam-packed with more surprises than the Sunnydale Graveyard.

Written by: Doug Petrie and Jane Espenson
Directed by: Doug Petrie
Original Airdate: October 16, 2001