I have already yielded to you and DP as the rules committee(?), but I think we should all agree that if you don't use it, you lose it --- leftover $ is not added to final score.

this is a handicapping contest --- not a saving for your retirement, or ducking wife's frying pan contest.

ps re: russell

I have no idea what your point is, I just don't happen to like smartass monday morning quarterbacks.
before the race (or sale) it's always, 'I haven't made up my mind yet', but afterwards, you are always regaled w/their great wisdom.

the guy needed cash, and others wouldn't pony it up --- case closed.
as evidenced by his price in the derby, beating a cripple in the spt. derby wasn't such lofty credentials.