After the debts were averaged, Martindale asked a toss-up question that awarded −$1 and initial control of the round. Rather than selecting an individual question, the contestant in control chose one of five categories from the board and Martindale asked five questions in succession, with values increasing from −$50 to −$250. The "Debt-onator" was hidden behind one category and doubled the value of its questions (−$100 to −$500). The contestant who gave the last correct answer in a category chose the next one. Finally, contestants were no longer required to start their answers with the "You are..." phrase at any point in the game.