[M.B.E.]

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Like I said I'm no expert in this field, but if I'm the guy with that many chips, I'm not taking any deal that doesn't give me at least full winner's share at this stage.

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There's nothing wrong with turning down a deal (Negreanu wrote a great column once about why he never makes tournament deals), but think about why you're doing it. If you understand what EV is, you should realize that when you're the chip leader, there is always some deal which gives you less than first-prize money, but is higher EV for you than playing out the tournament, even if you are far and away the most skilful player.