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Imagine taking Cincinnati over Duke in last night's bowl game, giving 9.5 points.

With less than 1:30 to play, the game is tied and it looks like Duke is going to ram home a probable game-winning score.

Time to rip up the ticket.

Then Duke fumbles the ball inside the Cincinnati 10. Still, no chance to cover -- it's probably going to OT, and even if Cincy wins it can't be by 10+ points.

Then comes a quick TD followed by a pick-six -- in the last minute.

And imagine taking Duke and the points. Ouch.

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