Q1: How is the HA calculated on a place bet? The table of odds gives the HA on a 6 or 8 place bet as 1.52%. If the true odds are 6:5 (1.20) and the payout 7:6 (1.167) shouldn't the HA be the difference between those two numbers or 0.033 (3.3%)? Q2: How does taking odds on the pass line bet decrease the HA, irrespective of the point? Since the decision to take odds is made after the point is established it seems to me it should depend upon the point. If you make a $5 PL bet and the point is a 4 then taking 2x odds increases the pay out from $5 for $5 bet (50% of the true odds) to $25 for a $15 dollar bet (83% of the true odds). WHile the player is still at a disadvantage that's a huge improvement in positsion and it seems to me it's a must do. If you take 2x odds on a 6 point the increase is from 83% of true odds to 94% of the true odds. WHile this is a good increase in value it's not as good as for the 4 point. I'm asking because if you're a small stakes player and you want to protect your bankroll doesn't it make more sense to take odds on the 4,5, 9, 10 and consider letting the 6 and 8 go?