How's this for paying off your debts? In a commercial now airing, director Brett Ratner (Rush Hour) -- evidently under duress -- calls the New York Film Academy ''the greatest film school in the universe, bar none.'' Turns out, Ratner was playing a high-stakes poker game with NYFA director Jerry Sherlock (who exec-produced The Hunt for Red October) and Pierce Brosnan, star of Ratner's upcoming After the Sunset, and the ad is the result. ''[Jerry]said, 'If you win I'll give you a Rodin statue,''' Ratner explains. ''A Rodin. It was a big hand. I said, 'Well I'm not going to give you a piece of art, so what do you want from me?''' He convinced the director to ante up the ad. ''So I f -- -ing lost.... He called my bluff.''