Corrections for roundhouse...
TOTALS
Straight 10-5 (10 points)
Spread 5-9 (10)
POTW 1-0 (3)*
Upset 1-0 (5)*
Money +400 (12)
= 40 points
For clarification: Money picks are based on the spread. +100 for every point put on a win, -110 for every point put on a loss. (You did this right, by the way)
The Broncos did cover. They were +1.5 and they won outright. Since they were your upset special and they won outright, you double the points you made off your spread pick on them.
Normally a correct spread pick is worth 2 points, thus by making that your upset special, you would increase it to four points.
However, since Denver was your POTW, you earned 3 bonus points on that game in addition to your two, making your total 5. Since that game was your upset special, you double those points and now get 10 points total for that game. 2 for picking it correctly, 3 bonus points for the POTW, and then 5 additional points for the x2 muliplier off the upset special.