A Fumble isn't a simple "Failure plus a little more bad", it is an order of magnitude worse than a mere Failure. So it is not considered a "Failure" for the purpose of the Mastery Special rule. The result is a Fail/Fumble, not a Fail/Fail, and as you note, only Fail/Fail has the Mastery special rule. This *is* intentional. Even the best can still make mistakes (or have mistakes forced on them, or have their mistakes siezed upon) by an equal in skill. That's the whole reason for the Mastery Cancellation rule.
So the result of your question is: Oskul -1x Bid, Urgrain -2x Bid.
Had both Oskul and Urgrain rolled "20", it would be treated as a Fumble/Fumble, not as a Fail/Fail bumped by the Mastery Special to Success/Success.
RR
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