Football Finals

We are almost to the end of the football season. My goal was to at least make it to 3rd to last in the work football pool this year. We changed it up this year and added a head-to-head competition along with the point competition. The head-to-head yields more money to the winner and 2nd place. I made it to the end of that competition with Steve. He is super competitive. If I lose this I will never hear the end of it. So, I need help! He already told me he is picking Indy, who are 7 point favorites. If I pick them and they win the tie breaker will be guessing the score of the game. So, should I pick Chicago or should I try to guess the score of the game? What do you think?