CREATE TABLE table_204_664 (id DECIMAL, "rank" DECIMAL, "bib" DECIMAL, "name" TEXT, "nationality" TEXT, "start" TEXT, "penalties  ( p+p+s+s ) " TEXT, "time" TEXT, "deficit" TEXT)

between bjorn ferry , simon elder and erik lesser - who had the most penalties ?
SELECT "name" FROM table_204_664 WHERE "name" IN ('bjorn ferry', 'simon eder', 'erik lesser') ORDER BY "penalties (p+p+s+s)" DESC LIMIT 1
SELECT "name" FROM "table_204_664" WHERE "name" IN ('bjorn ferry', 'simon eder', 'erik lesser') ORDER BY "penalties (p+p+s+s)" DESC NULLS LAST LIMIT 1