Winners & Losers

Season 4

Episode 13: When You Least Expect It

While interviewing for a replacement, Frances goes into labour and delivers her daughter, George. Carla and Doug look into adoption and after feeling bad for them, Izzy offers to be a surrogate. Sophie tries to battle her growing romantic feelings for Luke. Sam and Cory are taken hostage by Hayley in a barn, and after she lets them leave, Hayley sets it on fire and dies. Jenny discovers a half-naked Gabe on her doorstep and after a day of bonding, they reconcile. Frances learns Zach has had another stroke and will never recover or know his daughter. After trying to save Hayley from the fire, Luke collapses.