Francis M. Gagliardi - Page 6




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         “pathological gambler”.  Since becoming a pathological gambler,              
         Mr. Gagliardi has liquidated most of his investments and savings             
         to gamble.  Mr. Gagliardi gambled heavily during 1997 and 1998.              
              Before winning the lottery proceeds, Mr. Gagliardi seldom               
         bought lottery tickets.  Since he began gambling at the casinos,             
         Mr. Gagliardi has bought lottery tickets outside of the casinos              
         every couple of days.                                                        
         Mr. Gagliardi’s Gambling During 1999, 2000, and 2001                         
              Mr. Gagliardi spent most of his waking hours at the casinos.3           
         He had no outside interests, and generally if he was not at the              
         casinos he was at home.  A typical day for Mr. Gagliardi                     
         generally consisted of waking up, showering, going to a 7-Eleven,            
         getting coffee, going to the casinos, gambling, returning home,              
         sleeping, waking up, and returning to the casino immediately                 
         thereafter.4  Occasionally, Mr. Gagliardi spent up to 48 hours               
         continuously in the casinos before returning home.                           
              Mr. Gagliardi spent an average of 20 days per month at the              
         casinos (at least 209 days, 260 days, and 257 days during 1999,              
         2000, and 2001, respectively).  The following is a summary of the            


               3  During January, February, and March of 1999, Mr.                    
          Gagliardi was admitted into Sober Living by the Sea for his                 
          gambling disorder.  However, Mr. Gagliardi sneaked out of the               
          facility to gamble.                                                         
               4  On the day of trial, Mr. Gagliardi was gambling at one of           
          the casinos until 5 a.m. (trial started at approximately 9:30               
          a.m.) and in his testimony implied that he would return to the              
          casinos to gamble after the trial was over.                                 





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