Well, it seemed almost certain it would come to this. Ricardo has nothing against Frank, of course, besides the constant assault on what precious sanity the team has left, but a fight's a fight, and Ricardo is sure to win. Why? Well, for starters, Ricardo has way more damage than Frank, thanks to his crests and guitar picking skills. Another reason is that he has healing, something that the ninja lacks. What's more, he has attack magic, which may use to take advantage of Frank's utterly abysmal special defense. And with Ricardo's speed advantage, he's going to get plenty of opportunities to use them! Of course, it might take awhile to whittle down Frank's HP with Fated Day's End, but since Frank can't outdamage Ricardo's healing fast enough, and with all those extra turns included, it's not like it'll matter much in the long run anyway. Frank's certaintly no slouch in the mighty Light field, but Ricardo's simply much better, and in the end the only thing Frank can hope for is an honorable defeat.
