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Copyright 2016 NPR. To see more, visit http://www.npr.org/.

Copyright 2016 NPR. To see more, visit http://www.npr.org/.

Copyright 2016 NPR. To see more, visit http://www.npr.org/.

Copyright 2016 NPR. To see more, visit http://www.npr.org/.

Karishma Kapoor, 20, is a business student, and a fan of soccer — or football, as the game is known outside the U.S. She's also a betting woman. One day last August, she was at her grandmother's house.

"We just all sat 'round just talking, and then football came up. And we thought, 'Why not?'" Kapoor recalls. "It's only a pound, so we put 2 pounds on, at 5,000-to-one odds."

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