[WarDekar]

Hero thinks for a bit, then makes it 18k-20k (10k-12k to go).

I should add I have no idea how Annette plays, but if this is a lower buy-in and someone tries to lead this flop to my PF raise, I'm re-raising and taking it down more often than not.

EDIT: The reason I say raise here, is because if Annette is like me, this seems like a pretty good flop to try and take down this pot without having any kind of hand. She could be on a flush draw, but if it is it's weak. Can she be on a straight? Not really. Can she have a set? I guess but why lead that flop? The most likely holding has to be an over pair or 2 overs with the flush draw. If you raise back, but small enough to make it seems like you're looking for action, she puts you either on a better flush draw or a higher PP. Both of those hands have her drawing dead essentially.

I make her kind of play kind of often in the lower rebuys, and you folding out makes that play profitable, as most people will fold this out. If you play back at her I think she lets it go.