I'm part of a regular weekly game with a $140 HIO incentive, so instead of hitting my HIO on a Monday, I chose to hit my HIO during a Wolf/Hammer game. Naturally, the wolf didn't pick me, knowing I'd of course reject and go alone. I ended-up winning $2 with my 'partner'. And then came the $100 bar tab. All in all, a $98 loss for my HIO November 10, but I'm still happy. ;-)