REF’s picks

Backing Cologne with the draw insurance provides a safer route given both sides' tendency to occasionally share the spoils. Schalke's defensive resilience means a stalemate remains a distinct possibility.

1. 1Removes the risk of a frustrating draw while still backing Cologne's overall superiority.
2. 2Schalke have enough defensive discipline to grind out a point on their travels.

REF's own opinion, not a guarantee — nothing here is financial or betting advice, and the call is always yours.