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What if the Champion or Reserve Champion are not Payback eligible?

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What if the Champion or Reserve Champion are not Payback eligible?

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Then the unclaimed money is divided equally among those Payback eligible horses in the Top Ten. Example: If the Champion is not Payback eligible and there are two horses in the Top Ten plus the Reserve Champion that are Payback eligible, then the 60% is divided equally among those three in the Top Ten (Res. Champ is also a Top Ten winner).

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