Yes. Obviously if you get a scratching it would be just counted as a refund or $0.

Here's one thing though. Some people like to put their tips in on Friday and can't update on Saturday after final scratchings are known. If someone does this and only picks one horse which ends up being a scratching, theoretically they haven't had a bet that week. What do we do here?

Good idea about the -$10 by the way Duritz.