Just faced a team with no goalkeeper on the roster, and the displayed formation has 3 backs, a dm, 2 center mids and a striker. I win 4-1, but the post-game stats show one of the reserve midfielders in goal. My team's no world-beaters, but they are in first place, and my opponent, with only 7 players in formation have somehow managed a win, a tie, and 3 losses. He drew against the 2nd place team and won against the 3rd place team...yeah, seems realistic.