Bananagrams

All letters (the Bunch) are placed face down on the table.  Everyone takes 11-21 tiles (depending on amount of players).  Someone says "split".  Players turn over their tiles and proceed, simultaneously, to create their own individual crossword  (which they may constantly rearrange). When a player has no letters left, that player shouts "peel" and takes one from the "bunch".  All other players must also take a tile at this time.  At any time, and as often as desired, a player with a letter that is difficult to use may say "dump" and return it, face down, to the "bunch" but must take three letters in exchange.  Once all the letters in the "bunch" are gone, the first player with no letters left shouts "bananas" and is the winner of that "hand".