Bad beat or lucky win, what is your story?

My most recent pick in Survivor was Evansville -10.5 over Ohio.  While out with friends, I saw that the game went into OT and assumed it was a loss, given the spread.  Evansville outscored Ohio 12-0 in OT to get the cover.  I cannot honestly remember a time where I've been on the good or bad side of a game like this.  

I just witnessed what was definitely my worst loss bar none. Western Kentucky(-3.5) was up 49-14 with 12 minutes to go in the game and then ended up only winning 49-48 to win the game, but not cover the spread. Worst yet was when WKU allowed a 75 yard TD with only 1 second left in the game.