"Hi Stuart, thank you for the nice greeting. You were doing great, I can't believe I'm catching up to you. I understand about picking certain favorite teams, I get myself in the same mess. I think I've just been lucky the past few weeks. Good luck next week."

"Hey Marcia,

You are doing great with your football picks! And I am picking too many upsets - especially this week! Good luck down the stretch - it will be fun to see how this season turns out. I am a big Cardinals fan and they are beating the Vikings tonight, but I didn't pick my Cardinals. I need to learn not to pick against my own team!"