Mike approaches Alison to discuss their finances following theloss of their B&B business. However, Alison is morepreoccupied with plotting revenge on the Ghosts for AprilFool's Day and recruits a playful Humphrey to execute herplans.But who will prove the hardest to fool? Meanwhile, Mikeis shocked to find someone from their insurance company on hisdoorstep – an unannounced visit to check the details of thegatehouse fire. Can Mike convince her that lightning really canstrike thrice?