After falling for yet another of Bulldog’s childish, on-air practical jokes,Frasier asks station manager Kate Costas to talk to the radio jock. Sniffing a ratings bonanza, she advises Frasier to retaliate on the air, and when he refuses, she accuses him of having no sense of humor.

To Frasier’s chagrin, his friends and family members agree with Kate’s observation. Determined to show them all, Frasier recruits Roz in his “payback” plan. He knows that Bulldog is deathly afraid of lizards, so Frasier plants one in the contest prize drum from which the reptile-phobic prankster will draw a winning postcard.

But when Kate pulls out the winning card instead, Roz and Frasier watch in horror as the hidden lizard bites off the tip of Kate’s finger! Later, she vows revenge on the unknown assailant as she vents to the presumably innocent Frasier from her hospital bed. Frasier’s conscience gets the better of him and he ‘fesses up when Kate’s pain medication takes effect. As she drifts off to sleep, he thinks he’s in the clear -- but he’s wrong: Kate has heard every word!