[matt]

Mr Wells - I notice that the same as me, you didn't use your insurance & banker chips for the first round either. You need to click on the 'chips' next to the games you want to use them for.

Your banker chip means your score for that match gets multiplied by the number shown in the column to the right of it and your insurance chip gets placed next to the result you're least sure about and means you can't score a negative for that match.

If I had used them for the first round my score would be zero instead of minus 20 but there you go - long way to go yet and I've got lots of other results to get wrong in the weeks ahead...