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Clay you have to fill out the entire bracket. A perfect bracket gets a Billion $ but the odds against it are very high, to say the least. One estimate is 1 chance in 9,000,000,000,000,000,000.
The important part is that 2 million $ WILL be given away. The 20 best brackets will each win $100,000 which is not a bad consolation prize. So there is something to shoot for.
Quicken Loans made a business decision. Is the massive publicity and the increased business worth the $2,000,000 payout? That remains to be seen, and maybe it was worth it. I wasn't going to enter that contest, for the same reasons jared and Tony stated; personal info to Quicken Loans.
Just to give an idea of how hard it is to pick all these games: ESPN's bracket contest had more than 10 million entrants and after the first round of games there was exactly one entry which was correct. One guy from Illinois went 32-0. And his bracket probably got killed yesterday.
And now #2 Kansas has just gone down to Stanford, yet another big upset.
On three of the four days of the tourney so far, the first game of the day has been a big upset. Just ask Ohio State, Duke, and Kansas.