The 20,000$ wasnt in the pot... it was supplied by the poker room. The lady probably KNEW the other guy had the A, and she called... knowing she would lose maybe a few hundred max (dont know the limits) and end up getting half of the bad beat jackpot, sounds like they were playing a "Fullhouse with Jacks or Better and Jacks or Better" getting beaten, while the loser plays both of his hole cards, and the winner plays one. Think i've seen that kind before. The whole point is, the other players, and the lady, just wanted the 625$ each, and the lady wanted her 10,000$. The first guy may have just been capitalizing on the win, by taking a few dollars more off the lady... Pretty much, you just check to the end and split the Bad Beat Jackpot, cuzz the $5K he won was WAY more important than scaring her from the pot, if she wasn't positive of bad beat rules.