In the Underdog Bonus Points section, it says 'If a player selects an underdog and the team loses, the underdog value is subtracted from his point total'.  Is this if the underdog team loses outright, or if they don't cover the spread?  In other words, if a team is a 4 point underdog, and they only lose by 3 points, normally they would get 1 point for that.  In this situation, will they get penalized, and by how much?