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First, a warning: Play games of chance at your own risk. Casinos don't tell blackjack players how many face cards and aces are left. Even craps can supposedly be gamed. Maybe it wasn't a case of dumb luck, but smart luck. Gambling losses can be written off against gambling winnings on federal income-tax returns, and with her annuity, Ginther easily met that test. Get the news you need to start your day. Some video poker machines favor perfect players. Lotteries use a system of "pools" to create a fairly even distribution of prizes, as described in Indiana and Massachusetts reports. Powerful Factor 1: House money. Suppose she repeatedly redeemed winners for more tickets. There's also the payday side. In January , Texas became one of the first states to do so, a few months before Ginther won her first top scratch-off prize. Texas tempted, Ginther succumbed. No answers were available from Ginther, who never responded to a series of interview requests, or Morales, who declined to speak. In all the theorizing about Ginther , analysts have largely overlooked the importance of an assortment of basic gambling principles. Scratch-off players can do better than the published odds. In such situations, the more the player can afford to bet, the more likely he or she will come out ahead in the long run. Then again, maybe luck has its own logic. Then Texas started feeding its scratch-off games growth hormones. See Part 1. Poker pros and card counters just the best-known examples. Joan Ginther, who won millions four times, may have chosen high-priced instant games in Texas because they had some of the best payback rates in the country. Factor 2: Generous Texas. Joan Ginther wasn't necessarily lottery loco. The top-prize ticket arrived a week before she claimed it. Strictly speaking, "evenly spread" and "randomly as possible" are contradictory. Although buying a ton of tickets would have improved her odds dramatically, winning millions was never guaranteed. It's like shuffling three decks of cards separately, instead of shuffling them together. It lets players exploit a simple process of elimination — other players scratching tons of tickets without finding a winner. So lotteries, in a way, divide the game into sections, then randomize each section. And months of painstaking analysis of Texas Lottery records cast doubt on the most common suspicions. See: " 16 schemes lottery legend Joan Ginther likely didn't use ". Factor 4: Tax break. And Nettles' Lotto Report, a newsletter for Texas players, had already been providing that information for years. And win she did, putting together an amazing five-year run. Sure sounds crazy. Watch how quickly longshots can get shorter. Sometimes progressive slots have such big jackpots, they're worth relentlessly pursuing. Each ticket has a dollar value just for its chances of winning, according to statisticians. Scratch-off prizes are not randomly distributed. But that's not the final answer. Inquirer Morning Newsletter. The point is, the second prize was likely to show up in the middle "deck" of 1. That would have allowed her to deduct expenses such as trips to Texas or even a home office in her condo, though pros also have to pay self-employment tax, according to New York tax attorney Brad Polizzano. Maybe she figured out a similar scheme with scratch-off games. But only about , tickets were left in that group. And her chances were sometimes at least four times better than the published odds, thanks in part to player-friendly websites. Apparent odds of winning a top prize: 1 in 1.{/INSERTKEYS}{/PARAGRAPH} Say a game will become a rational bet with , tickets left. This improvement means Ginther's play was actually a logical gamble at times, though at other times that clearly wasn't the case. Part 1: " Lottery's 'luckiest woman' spent a flabbergasting sum on tickets ". Many gamblers reason that winnings are found money, the lottery's money, house money, so why not risk some, or most? How lottery legend Joan Ginther likely used odds, Uncle Sam to win millions Basic gambling principles go a long way toward explaining why Joan Ginther bet enormous sums on high-priced scratch-off games. His advice: Set a budget, but "do not spend grocery money, do not spend rent money. Cost is just one side of the ledger. Factor 5: Expected value. This powerful factor has been overlooked or underappreciated in dozens of accounts about Ginther. {PARAGRAPH}{INSERTKEYS}Second of three parts. Contact staff writer Peter Mucha at or pmucha phillynews. Or perhaps she moved to Vegas in because she's an advantage player, someone who zeroes in on ways to turn a profit gambling, suggested Yuran Lu, co-organizer of the MIT group that beat Cash WinFall. If Ginther thought she found such situations in Texas scratch-offs with gigantic prizes, her wild buying becomes more understandable. Skip to content. Vegas is a mecca for people seeking to turn gambling into an income stream. More on "Lottery Legend" series. The game paid prize money back at a remarkable rate: Ginther could have calculated this rate using the game's online page. Continue the pattern and it works out to roughly buy one, get two free. She could easily have been a major loser, and probably was in and , while failing to find instant millions in a game called Ultimate Casino Jackpot. Also: " 16 schemes Joan Ginther probably didn't use ". Even with , tickets, while the odds of hitting a single top prize were better than 1 in 10, the chances of her winning three top scratch-off prizes was about 1 in 1, -- and that's assuming her average odds were at least double the published values, according to a lottery industry analyst. There are two ways of looking at this timeline. If games were relatively reasonable bets, she could probably afford to risk sizeable sums every year. As sales continue, and the winner isn't found, the more likely it's in that stack. Sports bettors have cashed in on "rogue" point spreads. Winning early gave her the confidence -- and cash -- to keep playing long enough to keep getting lucky and make headlines around the world. Lotto Texas' drawings offered about a 10 percent return in smaller prizes. Other games were far less generous. Here's a rundown of a series of powerful factors she may have worked to her advantage. So, Ginther didn't need a foolproof strategy or some pay-as-you-go ticket-screening process to justify a search for huge prizes. Factor 3: Guaranteed prizes. Some gamblers can legally boost their tax break further by declaring themselves professionals. Perhaps most important of all, she might have justified her commitment to buy and buy on the fact that odds can steadily improve. Why would Joan Ginther, a math-savvy woman with a Ph. Uncle Sam's generous, too. Actually, the odds were better than that. Yet lottery websites in many states tell scratch-off players how many top prizes are left. Maybe after she won big, she felt free to take more chances — knowing she was going to lose a lot of winnings anyway to Uncle Sam. Why not buy earlier, reasoning that the slightly longer odds will be balanced by even better ones later? She could resolve the mystery by cashing in again -- by telling all in a book or selling her story to Hollywood. There were no state-tax implications, since neither Texas nor Nevada has a state income tax. We'll see in time. A simpler theory surfaced: The costs and odds in the games she played weren't so wild after all. A player might try getting a retailer to hold tickets as long as possible. Even if you lose it all, you're no worse off than when you started. It's not clear she did, however. In rare cases, buying a ton of lottery tickets can be smart. If she was winning, without damaging her interpersonal relationships, the term for her isn't "pathological," it's "professional," said Tim Fong, co-director of UCLA's Gambling Studies Program. Such information is a huge edge. Or, maybe, as Texas kept sweetening the formula, Ginther realized some games weren't such crazy gambles.