At Yo's, Holden and Joe hit it off talking about horses, neither realizing who the other is. Joe is stunned to discover the nice guy he just had a conversation with was Holden. Rose flirts with Holden and convinces him to hang out with them. Joe and Holden bond over horses and their exasperation over Rose. Holden, Rose and Joe watch the horse races together. Hal is upset to see Barbara with Craig and demands that she come home. But Barbara insists on staying with Craig and urges Hal to trust her and an upset Hal leaves. Craig offers Barbara a shoulder to cry on and the sexual tension between them grows. Barbara returns home and admits to Hal that she fears for their marriage. Jack tells Julia that he's talking to Margo on the phone and Julia goes back inside. She confides in Emma how upset she is with Jack. But when Barbara calls to tell Julia that she has the envelope, Julia is relieved, convinced all of her problems are solved. Jack wants to stop working with Carly since it's too complicated, but Carly reminds him of the envelope. Carly wonders if Jack has a deep, dark secret, which could destroy his life, but he wonders if the envelope even exists. Carly recalls the name on the envelope was Stiles and Associates. Jack recognizes the name, although he can't place it, and agrees to look into it. Both Jack and Carly seem excited about their next meeting at the boathouse. Carly confronts Craig about cozying up to Barbara. Craig explains he's only using Barbara, but enjoys the thrill of the chase.