March Madness is upon us, which means about a third of Americans — almost 100 million people — will be filling out brackets to compete at the office, among friends, or even just with family members. 

College basketball tournament brackets have been a cultural phenomenon since the field expanded to 64 teams in 1985, but the advent of the internet made filling out brackets and tabulating results much easier, driving both increased participation and tournament viewership.

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Now, not all of these bracket pools involve money; in fact, only about half of office pools do, and most family ones do not. Still, it would be safe to say that millions of Americans have had at least a........

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