At the end of the game, the winner receives points for the letter values left on the opponents rack. That's just one of the rules of the game.
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If your opponent finishes all their tiles after the bag is empty first, then the tilescore in your rack is multiplied by 2 and that value is deducted from your points.
You will not loose points directly, but you will forever give up the opportunity to earn points for the turn.
You need to beat your opponent's team by 200 points or more to get gold.So basically,let's say you have 100 and your opponent has 50.You would need 250 points to get a gold trophy.
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The letter "F" is worth 4 points in Scrabble.