It look likes you may need a time manager. I would be willing to offer my services for a small fee (let's say the money you cost me on today's game). Here's the secret. Ready? When the there is 2 minutes left and you don't have enough time outs to get the ball back the correct decision would be to let Denver score. I know what your thinking " that's crazy. We have a much better chance of scoring a field goal to tie". I can't really argue with that. You are correct. However, when the clock goes to zero your "only down by three" logic isn't going to work. See where I'm going with this. 2 minutes with timeouts actually gives you a chance to win. Of course you would have to deal with a tough Denver secondary that only allowed you to scor 48 points the entire game.
On second thought, you're right. Maybe they will miss that field goal. Cross your fingers!
Don't get me wrong, I'm not mad getting Denver -3.5 live. I mean I got Northwestern +4.5 last night so it all equals out.