I've been going back and forth on a girl winning, however, if Xavier goes, it's possible that Frankie and Cody just exchange control to the end. I remember Cody winning a lot, but not Frankie.
Apparently its anyone's game! Putting Xavier up was a no brainer. If they had left in Nicole, she would have lost and nothing would have been accomplished. Xavier is a beast! It was funny that was it Frankie or Cody who seemed shocked he won his season.