I completely agree about the rules regarding late scratches as they pertain to pick 3 and pick 4 wagers. I play these wagers at multiple tracks around the country and basically have no idea what the rules are in each state. The fact that they differ from track to track makes it very difficult to keep track of, and sometimes even if the track announces the rule as the scratch is occuring, you don't hear it at an OTB setting.
Perhaps we can come up with a list here at DT for how each track/state handles this?
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