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When Zack and Cody's football breaks a painting hung up in the hallway, they find an article on the back saying that someone was coming back for his treasure. Desperate, Zack, Cody, Maddie, London, and Esteban all imagine what their life would be like if they found the treasure, despite London already rich. They all search frantically for the treasure, but they end up breaking into the bank of Boston. In the end, the real treasure was Muriel.

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