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For the sake of £30 (assuming it's a 100 refund) I'd rather keep an account open in case there's an ante-post price I really want. I'm as far from a heavy-hitter as you'll ever get this side of an office sweep, but I find it's still getting ever more difficult to get bets laid because I'm only...

Of course not, but if you take out even 20pc it will be overbroke, and on Wimbledon it's effectively a 4-horse race. And even if you don't just back all the other opportunities, you're likely getting a fair price about an alternative to Murray because of the refund potential.

In effect, you are betting into a separate book, one without Murray in the field but with his percentage of the market taken off the over-round. In the long run, the worst outcome for the bookmaker is that they give away free money into betting accounts that their customers may well just keep...