What does minus 3.5 mean in betting?

Likewise, the Raiders are a 3.5 point underdog. That means the Raiders would need to win the game outright or not lose the contest by 4 points or more. The two teams are judged to the be 3 points apart, with the Chiefs “giving” 3 – hence the minus – as the favorite and the Bucs “getting” 3 as the underdog.

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