It was on goal difference at the time of my post, then Panama scored. Think the bookings thing only applies if the top two are tied on points and GD after the final game.
Not happy with this result at all: had us down to win 5-1! (I'm genuinely happy i lost the bet of course) Silver but painful lining was the fact i had germany to win 2-1 (i'm genuinely un-happy i won that one).