Yeah... NCAA rules differ from FED rules in these situations.
NCAA basically (with some exceptions, intentional grounding being the most obvious example) enforces fouls for both Team A and Team B from the previous spot if they happen behind the NZ, for both run plays and loose-ball plays.
Anything beyond the NZ is enforced under three-and-one, with the basic spot as the end of the related run.
FED is simpler in the sense that everything is enforced under all-but-one, and the basic spot is the end of the related run on a running play, no matter where the run ends.
Loose-ball plays in FED have the basic spot as the previous spot, same as NCAA.
NOTE: For those that aren't familiar with both rule sets, "three-and-one" and "all-but-one" are the same thing with different language (because why use the same language when you can use different language to add an extra layer of confusion?)
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