Question: the Tranby Croft affair started when Sir William Gordon-Cumming was accused of cheating at a card game whose winning odds are in favour of what?
Context: Hull Collegiate School, commonly known in the area as the 'Collegiate' or 'Tranby Croft', is a co-educational independent school in Anlaby, near Hull, in the East Riding of Yorkshire, England.  It was founded in 2005 as a result of a merger of two of the area's independent schools and is a member of the United Church Schools Trust Roualeyn George Gordon-Cumming (March 15, 1820 – March 24, 1866) was a Scottish traveller and sportsman, known as the "lion hunter".  He was the second son of Sir William Gordon Gordon-Cumming, 2nd Baronet. Constance Frederica “Eka” Gordon-Cumming (26 May 1837 – 4 September 1924) was a travel writer and painter.  She was born on 26 May 1837 at Altyre, near Forres in Scotland, the 12th child of a wealthy family.  Her parents were Sir William Gordon-Cumming, 2nd Baronet, and Elizabeth Maria (Campbell) Cumming.  She was the aunt of Sir William Gordon-Cumming, 4th Baronet.  She grew up in Northumberland, and was educated at Fulham, London.  She taught herself how to paint, and had help from artists visiting her home, including one of Queen Victoria's favorite painters, Sir Edwin Landseer.  After spending a year in India in 1867 and writing in "In the Himalayas and on the Indian Plains" (1884) she became interested in travel. Baccarat ( or ; ] ) is a card game played at casinos.  There are three popular variants of the game: "punto banco" (or "North American baccarat"), "baccarat chemin de fer" (or "chemmy"), and "baccarat banque" (or "à deux tableaux").  In "Punto banco" each player's moves are forced by the cards the player is dealt.  In "baccarat chemin de fer" and "baccarat banque", by contrast, both players can make choices.  The winning odds are in favour of the bank, with a house edge no lower than around 1 percent. Tranby Croft is a large Grade II listed Victorian country house and estate at Anlaby, near Hull in the East Riding of Yorkshire, England.  The house is now the co-educational, independent day school, Hull Collegiate School. Arthur Stanley Wilson (30 July 1868 – 12 April 1938) was a Conservative Party politician in England.  He was the son the Hull-based shipowner and prominent local Liberal Arthur Wilson, who was best known nationally for hosting the party at his Tranby Croft home which led to the royal baccarat scandal. The royal baccarat scandal, also known as the Tranby Croft affair, was a British gambling scandal of the late 19th century involving the Prince of Wales—the future King Edward VII.  The scandal started during a house party in September 1890, when Sir William Gordon-Cumming, a decorated lieutenant colonel in the Scots Guards, was accused of cheating at baccarat. Jack Change It is a simple card game popular among children.  It is usually played by two to six players, although theoretically it can be played with up to ten.  This game is a shedding-type card game whose purpose is to discard all of your cards before your opponents. Arthur Wilson (14 December 1836 – 1909) was a prominent English ship-owner who is best known for playing host to his friend Albert Edward, Prince of Wales, at his home Tranby Croft, the scene of the royal baccarat scandal. Lady Susannah Holford (nickname Tottie) was born in 1864 to Arthur and Mary Wilson of Tranby Croft.  Her second husband was Sir George Holford who owned Dorchester House in London, Westonbirt House and Westonbirt Arboretum which is still enjoyed by the public today.
Answer: the bank