A poker card game that provides any player the opportunity to fold and get back a percentage of his wager once there is no more betting possible; that is when one or more players are said to have risked all their money or be "all-in". This safeguard is only available prior to revealing the next to last card or the last card. Any players remaining in a hand must combine their two cards to the five community cards to form their best five card poker hand. The player having the highest five card poke hand is the winter. This game reduces the element of luck and players experiencing "bad beats."