Yes, I've made the money optional.
If you pay, and win the league then you get however much money is in the pot. If someone who doesn't pay wins the league, then I'll refund they money at the end of the season to everyone who did pay.
The paypal account is set up under email@example.com
In terms of your questions on the playoffs I'm pretty sure I did answer them on the last page. I'll do my best in this post again.
If you don't finish top two in your division at the end of the regular season then you can't win the league, however I will tally up your points with the bonuses that I spoke of so we can have a correct final standings 1-14.
For the four teams that make the playoffs, I'll reseed them according to their total points, divisions won't matter, and the slate will basically be wiped clean.
The semis will be #1 seed v. #4 seed and then #2 seed v. #3 seed, which ever teams score the most in each match up that week moves onto the final.
So if the #1 and #2 runaway with leads during the regular season, but then lose by 1 point each in the semi's it doesn't matter, #3 and #4 will play for the title while #1 and #2 will play for third.