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Just want to add for NFHS, that this is part of the new changes to the horsecollar rule (last year, the wording was runner pulled to the ground, now it is "that opponent"). Last year you could not have a horsecollar on this play as the player was no longer a runner when he was brought to the ground.
Sounds like you got it right. HC penalty during the loose ball, basic spot is the end of the run (or spot of the fumble). First and goal at 2.5 yardline.
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