Challenges

[Hudson Shock]

This came up in the game.  I just winged it, but I'm wondering what the official answer is.  I'd look it up, but as I've mentioned before, I can't find the book.  Aargh!

Anyway... in a challenge, do the loser's coins get spent?  One player, in a traditional pirate story, said a character was an expert synchronized swimmer.  I challenged, saying that that was silly in a historical pirate story.  She added another coin, as did I.  She added another and modified it so that she used to practice swimming in tandem with her sister.  I relented.

Should I have lost my coins that I used to challenge?  I don't remember whether I did or not in the game, but I'm wondering what to do next time.

[hix]

On page 26, it says "All coins bid from any side go to the bank."