PAT123, we're on the same side, I would not consider doing that , and that's what I find when they are offering money back 2nd & 3rd, their price for the fav. is ridiculously low. IF you can get close yes a different proposition, but so far I haven't been able to make it work, apart from today when as I said I dropped a clanger but scrambled out of it reducing my liability, I was left in a position almost break even but a profit if it won; and it did I re-backed it @ $5.50 so saved the bacon!

PS. I like to get set Friday night if I can, sure I could do better (usually) if I really concentrated but if I'm locked in for a profit, I prefer that, then not sat in front of the comp like a stunned Mullet!