Given:
We already established that:
At the end of the third round, Bankim had -2 points, and at the end of the sixth round, Bankim had -1 point.
This means Bankim's score increased by 1 point from the third round to the sixth round.
To increase his score by 1 point, Bankim must have bid Hi in the fourth or fifth round and Lo in the other round.
Given that there are only two rounds left where Bankim could have bid Hi, and he must have bid Lo in the other rounds, Bankim must have bid Lo in the remaining four rounds.
So, Bankim bid Lo in 4 rounds.
For any natural number $k$, let $a_k = 3^k$. The smallest natural number $m$ for which \[ (a_1)^1 \times (a_2)^2 \times \dots \times (a_{20})^{20} \;<\; a_{21} \times a_{22} \times \dots \times a_{20+m} \] is: