Just a reminder because most don't notice this. But when you bag out, the bags round up to 10, which adds to the score. So really you only lose 90 points due to bags.
Your score is 99. You and your partner's bids equal to 40. You take one bag.
So you add the 40 points to your score which gives you 139 then the bag which gives you 140, subtract the bag pentalty of 100 and you get 40.
Many games are lost because people do not know that the bags act as 10 points when recieved. HECK I've lost many games because of it, with my partner not realizing it, and myself forgetting.