[skp]

No, you misunderstood. Although it could be my writing that is the culprit. I am talking about J5 and J3 which would give Terri two pairs on the turn. But I am saying that with just a 5 or a 3, she might have raised <u>on the flop</u> instead of calling and letting the third guy stay.

Reading the two streets in conjunction, I am saying that it is more likely that Terri's turn raise and 4 bet represents a set as opposed to J5 or J3. Of course, it could represent other hands too but as between a set and two pairs, a set is more likely.