Ok, now here were the scores going into FJ:
Kelly: 18000
Jeff: 13400
Andrew: 13999
Kelly should make the shutout bet against Andrew: 9999. Most of us wouldn't fault her for rounding that up to 10000. She drops to 8000 or 8001 on a miss, which isn't a bad position.
Andrew can do one of two things: 1) Make the shutout bet against Jeff: 12801. (This is what he did.) If he misses FJ, he's hosed (or, as it turns out, not). But if he gets it right, he only needs for Kelly to get it wrong and he wins. Jeff is irrelevant in this scenario. 2) Wager $0 to $598. That way he stays ahead of Jeff even if he misses. In this scenario he wins on a triple stumper or a sole get. Which way he goes depends on the category and his assessment of the competition I guess.
I'd say Jeff should wager 4601. Guards against $0 wagers by Jeff or Kelly. But if he misses, he's still ahead of Kelly's 8001 (assuming she made the shutout bet). So he wins on a triple stumper.
This game does provide a demonstration of the significant leverage a contestant gains by learning to wager. Those who have done so would have won today from any of the three positions.