Totalbet 10% refund on Craps losses

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I'm pretty sure this can be +EV.

Let's say you make only one bet. Pass line for $100.

Two possibilites.
48.6% of the time you win and have $200. (.486*200)=97.2
51.4% of the time you lose and have $10. (.514*10)=5.14

So, on average you will have (97.2+5.14)=$102.34

Of course, if you keep betting, the HA will quickly make this -EV.