Manatoo,
How may one end a game, after the first 2 games have been played, without losing ELO points? For instance, I was playing with someone who would not come out of the menus and also swapped applications. The game was locked because of this. All I could do was go into Replay, otherwise, the player could come back at any time, exit the menus, unpause the game, and continue playing, and by this time I may not be in front of the computer (as I had given up on his finishing the game and walked away from the computer). When I came back, the screen said connection lost, that he had retired, but then the next screen read that I had retired, and the game penalized me 51 points for that, plus it took away another 10, even though I was up 3-1.
So, in this situation, what should I have done? Most of the time that I waited, the other player was with the game active, but was just in the menus. Anyway, I am surprised that I am the one that is penalized. No big deal, though.