What's the big deal?

By the time Frank is down to six cases — with a precarious number of big dollar amounts gone but the $1 million still in play — Mandel seems intent on letting him agonize until his heart actually explodes. ''Okeydokey,'' hyperventilates Frank, who's just turned down a $54,000 offer. ''What would Babs do?'' The number of unopened cases is inversely proportional to the length of time that Mandel second-guesses the players, quizzes the friends or family members there to support them, or goes to commercial. At NBC.com, an online version can be played in about five minutes, but on TV one player can stretch over two episodes. ''More than the humor, it's the tension and drama,'' says Mandel of Deal's appeal. ''People throw things at the TV. That fear and excitement is a great potion for success.''

He finally swivels to the remaining models, clasps his hands, and says, ''Open the case.'' The studio audience, thinking Big numbers bad, small numbers good, gasps as the case opens, revealing Frank's new direction. The producers hope that this riveted crowd is a good arbiter for the upcoming season. Then they can teach the models a new slogan, this one about ratings: Big numbers good. Very, very good.

MEET ''THE BANKER''

He lurks in the shadows of his office, speed-dialing Howie Mandel and doing his best to crush contestants' monetary dreams. But who is the mysterious Banker? We can't say for certain since we weren't allowed to talk to him, but even via an e-mail interview, his heart came across as cold as the cash he dispenses.

What are your banking credentials?
I have acted as a consultant for numerous investment institutions, but more importantly, I have an extensive education in game theory, mathematics, economics, psychology, and artificial intelligence.

Do you feel joy when someone leaves with a really crappy prize?
I have the satisfaction of knowing I did my job well.

Do you feel any remorse when someone with a big sob story about why they need the money turns down a $300,000 offer only to wind up with $50?
It's a game. Someone has to win and someone has to lose. No one feels bad for me.

If someone won a million dollars, would it ruin your day?
Considerably.

Howie says he doesn't talk to you backstage because he wants to consider you his enemy. Don't you ever wish you could hang out more? Maybe have a barbecue together, talk about sports?
My social life is not a priority, so missing out on mediocre fare at Howie Mandel's home is not something I would consider a loss.