Quiz from Phil Gordon's website

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the second opponent raises to $20. There is $65 in the pot.


The pot is offering you $85/$20, or a little better than 4-to-1 on your call.



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I sure I'm missing something but how does it jump from 3.25:1 from to 4.25:1?

Also, if we're in the big blind and there are only 2 MP limpers, why does it say that we decide to call?

The wording and the math is driving me crazy.