Lauren covered her mouth to suppress a laugh, suddenly realizing that these so-called Jayrodale elites were not much different from the social climbers they claimed to mock.

"Andrew, I challenge you on behalf of Mr. Thatcher!" Harvey declared. "Don't get cocky. Your first two wins were just beginner's luck. Fortune won't keep favoring a fool forever!"

Bernard chimed in, "Well said! Those two wins were nothing but dumb luck. No one in Jayrodale can match Mr. Thatcher at horse racing, especially not some junior doctor!"

Mark waved them off with a chuckle. "Come now, we're not sore losers. Dr. Lloyd, if you can win this one too, you'll definitely earn my respect!"

"If we're playing by the same rules, Mr. Thatcher, then I won't lose," Andrew replied with a calm smile.

The crowd erupted immediately.

"Such arrogance!"

"This young man doesn't know his place!"

"How dare he speak to Mr. Thatcher like that!"

Francesca's heart was racing. She could not believe Andrew dared to sp