Hey all, I've been a member for awhile but just started posting a few days ago. I'm starting to figure everything out but I have a few questions regarding points. Whats are the checking and savings account and how do I transfer points. Also I have got a newb betting question. I don't quite understand the odds. Like who is the favorite from 3/1 odds and 2/1 odds. And how does it payout. Say I put 50 points on 2/1 odds and it wins, how much do I get, and what if it loses?