I think you're referring to the money line vs the point spread number. The money line, the "3-digit" number you're talking about is the amount needed to be at risk in order to win $100. "2-digit" numbers are numbers that represent how many points differentate the teams involved in the match up. For example if it says Oakland 21, it means whatever team Oakland is playing is 21 points better than them. Along with that is a value on that number, this is also a three digit number that represents how much needed to be risked in order to win $100. Example, Oakland 21 (-125) means if you choose Oakland, you get spotted a 21 point lead at kickoff and as long as they don't lose by more than 21 points you win your bet. (-125) means if you take those points on that bet you would have to risk $125 dollars to win $100. All other amounts are relative to that ratio. If the final score equals 21 points difference it becomes a push and you are refunded your money. So Oakland and win or lose by 20 and you're good.