The following owners have 20/10 bets with each other,
and have 10/5 bets with Hans:

Gabes, Fox, Al, Sobo, Mags, Jack


The following owners have bets with Andy, loser to donate
amount to charity of the winners choice

Fox   20/10
Sobo  20/10
Jack  20/10
Gabes 20/10
Mags  20/10
Prep  10


The following owners all have $10 overall bets with Terry
and Prep:

Gabes, Fox, Al, Sobo, Mags, Jack, Hans