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Arbitrage exists because bookmakers set their odds independently; in other words. A common mistake of novice sports bettors is mistaking the point spread for the sportsbook’s prediction of a how much a team will win or lose by. Where: FV = Future Value of the CD, D = Initial deposit amount, r = Nominal annual interest rate in decimal form, t = Number of years invested, n = Number of compounding periods per year. All you need to bet.