Adult contestants try to answer questions drawn from elementary school textbooks. Five actual fifth-grade "classmates" can help the adult player as he tries to reach the million-dollar jackpot. The grown-up can "cheat" three ways: He can Peek, looking at the child's answer; he can Copy, meaning he must use the child's answer; or he can Save, for when he guesses wrong and the classmate has the right answer. A contestant can walk away at any point with the money he has won, as long as he admits, "I am not smarter than a fifth grader."