Americans will be betting billions of dollars on Super Bowl 50 this Sunday, according to the American Gaming Association. While much of that staggering total includes betting at sportsbooks (legal and otherwise), it may also include a relatively innocent bet in a Super Bowl pool—one of thousands that take place in offices and parties around the country.

There are many different variations of the Super Bowl pool. Most commonly, though, it's a version of football squares. You and others fill in one or more of 100 squares in a 10-by-10 grid for a set price, say $10. After all the squares are accounted for, numbers 0 through 9 are randomly drawn and written along the top and side edges of the grid. As the game unfolds, prizes are awarded for end-of-quarter scores. The bettor with the box that matches the final score is usually the big winner. 

You don’t need any special insight about the Carolina Panthers’ defensive schemes to win a Super Bowl pool, just dumb luck. Still, a few informative and fun observations won’t hurt. Here are five.

If you buy multiple squares, don’t choose a single row or column. From a cold, probabilistic standpoint, it doesn’t matter which squares you choose—before the numbers are assigned to the grid, each square has the same value. If you ended up purchasing half of the squares in the Super Bowl pool where the Denver Broncos score ends in a 6, you’ll have a very specific rooting interest.

Sevens and zeros aren’t what they used to be. Thank the two-point conversion. The NFL reintroduced the two-point conversion in 1994, leading to special-team coaches carrying around conversion charts and making 20-17 finals slightly less common occurrences. In addition, extra points are no longer a sure thing in the NFL—one out of 18 extra point kicks were missed this season.

Don’t expect to win with a 2-and-2 box. Deuces aren’t wild in the NFL. According to the Pro Football Reference website, of the over 15,000 NFL games played since 1922, only six ended with both teams scoring either 2, 12, 22, 32, or 42 points.

Make sure final is final. There’s never been overtime in a Super Bowl, but there’s always a first. So make sure your pool ringleader is clear about the difference between the end of the 4th quarter and the final score.

Stop worrying about what might happen to your retirement savings. According to the Super Bowl indicator, investors are supposed to worry if an original NFL franchise doesn’t win the Super Bowl. As neither team in Super Bowl 50 is an original NFL franchise, 2016 will continue to be bleak for stocks according to the indicator. An alternative to playing in a Super Bowl pool: consider increasing your weekly retirement savings by the amount you would have spent on this week's pool.