I've been interested in playing this game....However, I have no idea what its like and if I will be good or not.

Also- It seems like it is a game where the more you play the higher your score will be, so what incentive do people have to join late during the week? 

.01 does seem a bit much...heck I would really like to try it out but I don't want to get in now because I feel I would just lose the .01....