Who Wants To Be A FoG Millionaire?

[Kol]

I presume if we're banking we have to do so before seeing the next question?

If we don't want to answer a question, do we say, "take the money", then answer anyway for use to those who may Ask the Audience or Phone a Friend.

If you are taking the money, you must pm me before the deadline, you can of course use whatever lifelines you have remaining first, in which case it will rollover beyond 7pm.

It plays pretty much the same as the tv show. If you bank before 7pm, please give and answers, same for the remainder of the game, please answer for the audience. 

Only answers in before 7pm will count towards the ask the audience results.