re: So a Duke hoops player gets $100000 in jewelry

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Why was Memphis retroactively punished after the season and Duke was not? Duke still has their Final 4 banner from that year, Memphis is not.

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I don't know. The NCAA is wildly inconsistent and has been for decades. Fact is none of the schools in the Piggie case got a different institutional punishment from Duke. However, Maggette escaped punishment from the NCAA since he was outside their jurisdiction.

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People call Cal shady and a cheater and Coach K is not.

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Well, there are about a billion circumstantial things that indicate Cal is one of the biggest cheaters in the history of college sports, from his close friendship to the biggest runner in the game to the fact that Derrick Rose or "Derrick Rose" traveled to a city he has no connection with whatsoever to take a standardized test, which just happens to be the hometown of said worldwide runner who is now an agent at CAA.

However, the NCAA hasn't officially proven anything against Cal, including Camby's chain (which I agree Cal had nothing to do with). So to answer your question, I guess people look at suspected actions in addition to official NCAA declarations.