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The reason .5 is in the bet is to make it a two way bet, rather than 3. If the bet was Under 3 goals, or Over 3 goals, the bookmaker would have to add a third option for when 3 goals are scored. The opportunity to pick out 4 to 5 matches every weekend with odds of roughly 10/11 is very strong, and this sort of 5 match accumulator bet would pay around 22/1.