I have called several friends who wager at books I do not. I can only say, you must go by the rules of where you wager. However, I, nor have any one I asked, have never ever seen a second half wager stipulate that OT is included in a second half wager. If anyone else has, thats not surprising, as each book can make up any rule they choose, as long as its before you make your wager. I'm sure rules are different , depending on where you shop. I would never make a wager for the second half, if it included OT. NEVER.