Charlie is talking to Bailey about buying the business, and how he wants to present it to the bank as a sure thing. I guess he means as opposed to going in and telling the bank, "I'm an idiot with zero business sense. Please give me lots and lots of money, and then I'll default on the loan when the business goes under, as it will do, because I'm a Salinger and I dwell in tragedy." Bailey isn't sure about Charlie's plan, but Charlie thinks the numbers are good. Bailey says they are, but that they are huge numbers. They talk for a while about how huge the numbers are. The word "huge" is used many times.
Claudia gets off the bus and stops to put on her coat. As the bus pulls away, she sees Victor across the street, and it looks like he's arguing with a woman. He gives her an envelope and she hands him some sort of package.
Bailey walks Holly to her lecture. Doesn't he have a restaurant to run? Is he even doing that anymore? Or is he just helping Charlie realize how "huge" his numbers are? Bailey is carrying numerous large books for Holly, and comments that he can't believe she has room in her head for that much information. Holly asks if Bailey wants to sit in on the lecture. Bailey says she wouldn't want him there because he snores, and says that school really isn't for him. She asks why, like he didn't just tell her last night. Bailey admits that other people make him feel stupid, because he doesn't read or write very well, and everybody else is smart like Holly. He knows that she's just trying to help, but school is really not for him.