15 minutes is too much to use, I believe, just based on how fast the game moves in the CPU vs real life. I use 6 minute quarters based on an article I read eons ago about the relationship between gamespeed and Xbox/PS2 speed - anyway its just what I use. Like in these games if the CPU is running the hurry up, it will be on the line in 1 second even if the play was 40 yards downfield, or a CPU runner takes x seconds to run 10 yards whereas it takes more in real life. So 40% I think was based on the article (6min vs 15min). But the game moves so fast that 15 minutes will result in probably some games having 80-90 points being scored per game.