3 major times u broke the rules and should therefore have the penalty enacted.

1. U stole 500pts from thad = effectively gambling with pts = a loan.. 250 pt penalty

2. U stole 300 pts from me and from a charity and gambled = a loan = 250 pt penalty.

3. u either A. didnt wager yismans fp or u did and then u lost the winnings in casino = major failure = gambling = 250pt penalty.

basically there is a 99.98 chance u owe me 250pt penalty at this pt.. so just pay it and pay some to charity and be done with it.

its that simple.

-stash