Comprehending the Complexities of Gambling Debt in the UK
Revealing the Alarming Statistics Surrounding Gambling Debt in the UK
The phenomenon of gambling debt has escalated dramatically in the UK, evolving into a significant public health issue that demands urgent attention. Recent studies indicate that millions of adults are engaging in various forms of gambling activities. Data from the Gambling Commission reveals that approximately 14 million adults are involved in gambling, with a troubling number developing problematic behaviours that lead to crippling financial obligations. The total debt attributed to gambling has surpassed £1.2 billion, a staggering figure that underlines the critical nature of this crisis. Alarmingly, around 400,000 individuals in the UK are classified as problem gamblers, often unable to manage their impulses and resorting to loans or credit facilities to sustain their habits. This financial strain not only burdens the individual but also impacts families and communities, resulting in profound psychological and emotional distress.
Furthermore, the surge of online gambling platforms has intensified this issue. The convenience and anonymity provided by these platforms allow individuals to gamble beyond their financial capabilities. Research indicates that the average debt for those facing gambling-related challenges can exceed £30,000, creating an unending cycle of borrowing that is incredibly difficult to escape. Given these alarming statistics, it is imperative for gamblers to identify early warning signs of financial distress and proactively seek assistance to manage their financial liabilities effectively.
Examining the Root Causes of Gambling Debt in the UK
The growing prevalence of gambling debt among individuals in the UK can be traced back to a variety of contributing factors. A primary factor is the illusion of control that many gamblers experience, which leads them to believe they can influence the outcomes of games or betting events. This false belief often drives gamblers to wager larger amounts, convinced they can recover their losses—a situation that rarely occurs. Additionally, the excitement and thrill associated with gambling can cloud judgment, leading individuals to bet more than their financial circumstances allow, exacerbating their debt issues significantly.
Another crucial aspect is the social environment surrounding gamblers. Peer pressure and the innate desire to fit in can propel individuals toward irresponsible gambling behaviours, often influenced by friends or family members who partake in similar activities. The depiction of gambling as an exhilarating and benign pastime in popular culture further complicates the situation, normalising risky behaviours.
Moreover, underlying psychological challenges such as anxiety, depression, and low self-esteem can push individuals towards gambling as a coping mechanism, ultimately leading to significant financial hardship. Recognising these underlying factors is vital for effectively tackling the rising issue of gambling debt in the UK and developing suitable interventions.
Understanding the Impact of Gambling Debt on Families and Individuals
The repercussions of gambling debt on both individuals and their families can be profoundly harmful. For the individuals affected, the accumulation of debt may lead to intense psychological stress, anxiety, and depression. The perpetual worry regarding financial instability often overwhelms their thoughts, resulting in detrimental mental health effects. Many find themselves ensnared in a vicious cycle, where their gambling behaviours escalate as they attempt to cope with their financial pressures, further intensifying their debt and emotional suffering.
Families are also deeply affected by gambling-related debts. Relationships frequently deteriorate as trust diminishes and financial burdens increase. Partners may struggle to comprehend the compulsive behaviours, leading to conflict, and in severe cases, separation or divorce. Children in these households often experience neglect or emotional distress as parents prioritise gambling activities over familial responsibilities, fostering a toxic atmosphere.
In extreme cases, individuals may turn to illegal activities to resolve their debts, resulting in serious life-altering consequences, including criminal charges and incarceration. The ramifications of gambling debt extend beyond the individual, impacting the entire family unit and often resulting in long-term economic instability. Addressing these issues is crucial for fostering healthier relationships and promoting financial literacy in families grappling with gambling debt.
Debt Consolidation Uncovered: A Strategic Approach to Financial Recovery
Gaining Clarity on Debt Consolidation and Its Core Principles
Debt consolidation serves as a financial strategy aimed at amalgamating multiple debts into a single loan, enabling individuals to manage their repayments more effectively. In the UK, this method is particularly pertinent for those grappling with debt consolidation for gambling debts, as it provides a structured pathway to regain financial control. By consolidating debts, individuals often have the opportunity to secure lower interest rates, making the repayment process more manageable over time.
This procedure typically involves securing a new loan to pay off existing debts, thus combining them into one monthly payment. Such consolidation simplifies budgeting, as individuals focus solely on one payment instead of juggling multiple creditors. Additionally, it has the potential to enhance credit scores over time, provided that the new loan is managed with responsibility. However, it is crucial for individuals to thoroughly assess whether the terms of the new loan are genuinely more advantageous than those of their current debts, as neglecting this step could exacerbate their financial predicament.
Comprehending the intricacies of debt consolidation is essential for those battling gambling debts, as it requires careful planning and consideration of various repayment options. Although debt consolidation can be an effective tool for achieving financial stability, individuals should evaluate their unique circumstances and seek professional guidance when necessary.
Exploring the Range of Debt Consolidation Solutions Available
In the UK, there exists a variety of debt consolidation options for individuals seeking to manage their debts more effectively. One of the most prevalent methods is personal loans, which can be employed to extinguish existing debts. Secured loans, where the borrower offers an asset as collateral, frequently feature lower interest rates; however, they carry the risk of asset forfeiture if repayments are not maintained.
Another option is a debt consolidation plan, whereby individuals collaborate with a debt management company to create a structured repayment plan with their creditors. This often involves negotiating lower interest rates or extended repayment terms, facilitating easier debt management for borrowers.
Additionally, credit cards with zero percent introductory rates for balance transfers are popular among those looking to consolidate debts. Borrowers can transfer existing balances to a new card and benefit from a temporary interest-free repayment period. However, it is vital for borrowers to pay off the balance before the promotional period concludes to avoid incurring high-interest charges thereafter.
Finally, individuals might consider remortgaging their homes to access equity, which can then be utilised to settle debts. While this option allows access to larger sums of money, it also poses the risk of losing one’s home if repayments are not upheld. Each type of consolidation method comes with its own strengths and weaknesses, necessitating careful consideration based on personal circumstances.
Evaluating the Pros and Cons of Debt Consolidation
The advantages of debt consolidation for gambling debts can be significant, particularly for those aiming to regain control over their financial situations. One of the primary benefits is the simplification of payments. By consolidating multiple debts into a single payment, individuals can streamline their monthly obligations, making budgeting and financial management considerably easier. This reduction in complexity alleviates stress and provides a clearer path toward financial recovery.
Moreover, debt consolidation can frequently lead to lower interest rates, especially for individuals with favourable credit ratings. This can result in substantial savings over time, enabling borrowers to allocate more funds toward repaying the principal debt rather than interest charges. Additionally, successfully consolidating debts can enhance credit scores, reflecting responsible financial behaviour and reducing the overall credit utilisation ratio.
However, it is essential to consider the risks associated with debt consolidation. If an individual fails to make timely payments on the new consolidated loan, they may face increased interest rates or penalties, complicating their financial situation even further. Furthermore, consolidating debts does not address the root issues that led to gambling problems; without the appropriate support and management strategies, individuals may find themselves accumulating debt again.
Moreover, some debt consolidation products may involve hidden fees or higher costs than initially anticipated. Conducting thorough research and understanding the terms of consolidation loans is crucial for making informed decisions. Striking a balance between the benefits and risks is vital for individuals contemplating this avenue for managing gambling debts.
Identifying Eligibility Criteria for Debt Consolidation in the UK
Understanding Credit Score Requirements for Successful Debt Consolidation
In the UK, credit score requirements play a pivotal role in determining eligibility for debt consolidation. Lenders typically assess a borrower's credit history and score to evaluate their reliability and risk. A higher credit score generally signifies lower risk for lenders, thereby increasing the likelihood of qualifying for favourable loan terms, including reduced interest rates.
Most lenders establish specific credit score benchmarks, with many preferring applicants to possess a score of at least 580 to 600 on the FICO scale. Individuals with scores falling below this threshold may encounter challenges in securing a consolidation loan or may be offered loans with higher interest rates. Understanding one’s credit score is essential for those exploring debt consolidation options, as taking steps to improve their score can lead to better borrowing conditions.
For individuals struggling with gambling debts, it is advisable to periodically review credit reports for inaccuracies or discrepancies that may negatively affect scores. By addressing these issues and managing debts responsibly, individuals can work towards improving their credit ratings and enhancing their chances of successful consolidation.
The Significance of Income and Employment in Debt Consolidation Eligibility
Income and employment status are critical factors in determining eligibility for debt consolidation in the UK. Lenders seek stable and sufficient income levels to ensure borrowers can fulfil their repayment obligations. A consistent job with reliable income signifies financial stability, which is crucial for lenders when evaluating loan applications.
Typically, individuals must present proof of income, such as payslips, tax returns, or bank statements, during the application process. Self-employed individuals might face additional scrutiny, as lenders may require more comprehensive documentation to verify income levels. Borrowers need to have a clear understanding of their financial situation and be ready to transparently present their income details during the application process.
In instances where individuals are unemployed or possess irregular income, obtaining debt consolidation may be more challenging. Nonetheless, some lenders may still offer options, particularly if the applicant has other assets or a co-signer with stable income. Seeking financial advice can assist individuals in difficult employment circumstances to explore potential debt consolidation options tailored to their unique situations.
Understanding the Importance of Debt-to-Income Ratio in Debt Consolidation Applications
The debt-to-income ratio (DTI) is another crucial factor influencing eligibility for debt consolidation in the UK. This ratio measures the percentage of an individual's gross monthly income allocated toward debt repayments. Lenders generally prefer borrowers to maintain a DTI of 40% or lower, as this indicates a manageable level of debt relative to income.
A high DTI may signal to lenders that an individual could struggle to manage additional debt responsibly. For those burdened with significant gambling debts, a high DTI complicates the consolidation process, making it essential to address and reduce existing debts before applying for new loans.
To improve their DTI, individuals may consider strategies such as increasing their income through supplementary jobs or reducing unnecessary expenses. By focusing on debt reduction and enhancing income levels, individuals can improve their financial standing, making it easier to qualify for debt consolidation options that effectively address their gambling-related debts.
Successfully Completing the Debt Consolidation Application Process
Selecting the Right Lender for Your Debt Consolidation Needs
Choosing an appropriate lender is a critical step in the debt consolidation journey, particularly for individuals managing gambling debts. With a plethora of financial institutions and lenders available in the UK, thorough research is essential to identify a lender that aligns with individual needs and circumstances.
When evaluating potential lenders, individuals should consider various factors, including interest rates, loan terms, fees, and the quality of customer service. Selecting lenders with transparent fee structures is crucial, as hidden costs can significantly impact the overall affordability of the loan. Reading customer reviews and seeking recommendations can provide valuable insights into a lender’s reliability and reputation within the market.
Additionally, it is advisable to compare several lenders to grasp the different options available. This comparison not only assists individuals in finding competitive rates but also allows them to choose lenders offering flexible repayment terms tailored to their specific financial situations. Those dealing with gambling debts should remain vigilant, as some lenders may specialise in helping individuals with problematic financial behaviours, providing additional support during the consolidation process.
Understanding the Debt Consolidation Application Process: Key Steps
The application process for debt consolidation in the UK generally consists of several essential steps, beginning with the compilation of necessary documentation. Individuals should gather key financial information, including details of existing debts, income statements, and credit reports, to provide a comprehensive overview of their financial circumstances.
Once prepared, applicants can approach their chosen lender, whether online or in person, to initiate the application process. The lender usually requests a completed application form, which includes personal details, financial information, and consent to conduct a credit check. After submission, the lender will assess the application, considering factors such as credit history, income, and overall financial health.
If approved, the lender will present the loan terms, including interest rates and repayment periods. It is vital for applicants to scrutinise these terms before acceptance, ensuring they comprehend their obligations and the implications associated with the loan. Once all parties reach an agreement, funds are typically disbursed, allowing borrowers to repay their existing debts and commence their journey toward financial recovery.
Essential Documentation Necessary for Debt Consolidation Applications
When applying for debt consolidation in the UK, several key documents are typically required to ensure lenders can accurately assess an individual’s financial situation. Essential documentation includes proof of identity, such as a passport or driving licence, which verifies the applicant’s identity and residency.
Furthermore, borrowers must provide evidence of income, which may consist of recent payslips, P60 forms, or tax returns for self-employed individuals. This information assists lenders in evaluating the applicant’s capacity to make timely repayments. Additionally, applicants should prepare a comprehensive list of existing debts, including account numbers, outstanding balances, and the names of relevant creditors, to present a detailed picture of their financial obligations.
Lastly, individuals seeking debt consolidation may need to furnish their credit reports to facilitate the lender’s assessment process. By being well-prepared with the necessary documentation, borrowers can streamline their application process and enhance their chances of successfully securing a debt consolidation loan tailored to their needs.
Specialised Debt Consolidation Loans for Gambling Debts
Comparing Secured and Unsecured Loans for Effective Debt Consolidation
When contemplating debt consolidation for gambling debts, individuals must choose between secured and unsecured loans, each presenting unique characteristics and implications. Secured loans require the borrower to provide collateral, typically an asset such as a home or vehicle. This arrangement often results in lower interest rates, making it an appealing option for individuals with substantial gambling debts. However, the primary risk lies in the potential loss of the asset if the borrower fails to meet repayment obligations.
In contrast, unsecured loans do not necessitate collateral, rendering them less risky in terms of asset security. However, this type of loan frequently carries higher interest rates due to the increased risk for lenders. Unsecured loans may be suitable for individuals unwilling to jeopardise their assets or those lacking valuable collateral.
When deciding between these two loan types, individuals should thoroughly evaluate their financial situations, taking into account interest rates, repayment terms, and overall affordability. Consulting with a financial advisor can provide valuable insights and assist borrowers in selecting the most appropriate option for consolidating their gambling debts.
Evaluating Interest Rates and Terms for Debt Consolidation Loans
Interest rates and repayment terms are crucial considerations when exploring debt consolidation loans for gambling debts in the UK. The interest rate significantly influences the overall cost of the loan, determining how much borrowers will ultimately pay over the loan term. On average, personal loans for debt consolidation range from 3% to 36%, contingent on the individual’s creditworthiness and the lender’s policies.
Borrowers with higher credit scores may qualify for lower interest rates, making it essential for individuals to work towards improving their scores before applying. Moreover, comprehending repayment terms is critical, as they dictate the loan’s duration and the monthly payments due. Typical loan terms can extend from one to seven years, with shorter terms generally resulting in higher monthly payments but reduced overall interest costs.
Individuals should meticulously evaluate their financial capabilities when selecting loan terms, ensuring they can comfortably meet their repayment obligations without reverting to gambling behaviours. The objective of debt consolidation is not merely to manage existing debts but also to foster a sustainable financial future.
Understanding Loan Amounts and Effective Repayment Strategies
The loan amounts accessible for debt consolidation in the UK can vary widely, depending on the type of loan and the lender’s policies. Secured loans typically allow borrowers to access larger sums due to the collateral provided, often ranging from £10,000 to £100,000 or more. Conversely, unsecured loans usually impose lower maximum amounts, generally capped at around £25,000, contingent on the lender and the borrower’s financial profile.
When consolidating gambling debts, individuals must select a loan amount that adequately covers their existing obligations while remaining manageable within their budget. Overborrowing can result in further financial pressure, undermining the benefits that consolidation aims to achieve.
Effectively managing repayments is essential to ensuring the success of the consolidation process. Borrowers should develop a comprehensive budget to monitor their income and expenditures, prioritising monthly repayments. By maintaining a disciplined approach to finances and steering clear of new debts, individuals can work towards achieving their financial goals and breaking free from the cycle of gambling debt.
Assessing the Impact of Debt Consolidation on Credit Scores
Consolidating gambling debts can significantly influence an individual’s credit score, both positively and negatively. On one hand, successfully consolidating debts may enhance credit scores by decreasing the overall credit utilisation ratio, which is the percentage of available credit being utilised. Lowering this ratio indicates responsible credit management, potentially increasing an individual’s creditworthiness.
Conversely, it is important for applicants to recognise that applying for a new loan can initially cause a temporary dip in their credit scores due to hard inquiries conducted by lenders. This effect is usually short-lived, and if repayments are made consistently and on time, individuals will likely witness their scores rebound and improve over the long term.
To maintain a healthy credit score following consolidation, borrowers should prioritise responsible financial management. This includes making timely payments, refraining from incurring new debts, and regularly monitoring their credit reports for inaccuracies. By adopting prudent financial habits, individuals can not only recover from gambling debts but also establish a robust foundation for a secure financial future.
Finding the Ideal Lender for Your Debt Consolidation Needs
Choosing a reputable lender for gambling debt consolidation is essential for ensuring a smooth and effective process. Individuals should focus on lenders that specialise in providing financial solutions for individuals grappling with problematic debt, as these institutions often offer tailored services and support.
When evaluating potential lenders, it is crucial to assess their terms, interest rates, and quality of customer service. Transparency in fee structures and loan terms is paramount, as hidden charges can complicate repayment and lead to further financial strain. Engaging with multiple lenders allows individuals to gain a comprehensive understanding of available options, enabling them to select the best fit for their unique situations.
Reading customer reviews and seeking recommendations can help individuals gauge the reputation of potential lenders. Collaborating with professionals, such as financial advisors or credit counsellors, can provide additional insights and support, guiding borrowers in making informed decisions throughout the consolidation process.
Exploring Alternatives to Debt Consolidation
Considering Debt Management Plans as a Practical Alternative
Debt Management Plans (DMPs) offer a practical alternative to debt consolidation for individuals facing gambling debts in the UK. A DMP entails negotiating with creditors to establish a manageable repayment plan that aligns with the borrower’s financial capabilities. This option is particularly advantageous for those who may not qualify for traditional loans due to poor credit ratings or unstable income.
Within a DMP, a debt management company typically advocates on behalf of the borrower, negotiating reduced monthly payments and possibly lowering interest rates with creditors. This arrangement can provide substantial relief for individuals overwhelmed by gambling debts, allowing them to make consistent payments while working toward financial recovery.
However, it is vital for individuals to select a reputable debt management company, as some may impose high fees or deliver ineffective services. Conducting thorough research and seeking recommendations can assist individuals in identifying a trustworthy provider capable of guiding them through the DMP process.
Evaluating IVAs and Bankruptcy as Severe Alternatives
Individual Voluntary Arrangements (IVAs) and bankruptcy represent two more drastic alternatives for managing gambling debts in the UK. An IVA is a legally binding agreement between a debtor and their creditors, permitting individuals to repay a portion of their debts over a specified period, typically five years. In return, creditors agree to write off any remaining debt after this period. IVAs may be suitable for individuals burdened with substantial debts who have exhausted other options and are seeking structured assistance.
Bankruptcy, while a last resort, offers individuals the opportunity to eliminate their debts. However, it comes with significant ramifications, including potential loss of assets and a lasting impact on credit scores. Those contemplating bankruptcy should seek comprehensive advice and carefully evaluate their options, as it can profoundly affect their financial future.
Both IVAs and bankruptcy provide unique advantages and disadvantages, necessitating a thorough understanding of individual circumstances before proceeding. Consulting with financial professionals can help individuals determine the most appropriate course of action for managing gambling debts.
Utilising Credit Counselling Services for Effective Financial Guidance
Credit counselling services in the UK offer invaluable support for individuals grappling with gambling debts. These services provide financial education, budgeting assistance, and strategies for effectively managing debt. By collaborating with a trained credit counsellor, individuals can gain insights into their financial situations, enabling them to develop realistic repayment plans and achievable goals.
Credit counselling often includes workshops and seminars focused on financial literacy, empowering individuals with the knowledge necessary to make informed financial decisions. Furthermore, many credit counselling organisations can assist in negotiating repayment plans with creditors, similar to a DMP, but without the same level of commitment or fees.
Individuals dealing with gambling debts should consider reaching out to reputable credit counselling services for guidance and support. By leveraging these resources, they can take proactive steps towards regaining control over their finances and overcoming gambling-related challenges.
Understanding Debt Settlement as an Alternative Strategy
Debt settlement presents another viable method for individuals seeking to manage gambling debts in the UK. This approach involves negotiating with creditors to reduce the total amount owed, allowing borrowers to pay a lump sum that is less than the total outstanding debt. While this strategy can provide significant financial relief, it necessitates careful consideration and proficient negotiation skills.
Debt settlement can be effective for individuals who have fallen behind on payments and are facing financial hardship. However, it is crucial to recognise that debt settlement can negatively impact credit scores, as it involves settling debts for less than the full amount owed.
Individuals contemplating debt settlement should approach the process with caution and may benefit from professional assistance. Partnering with a reputable debt settlement company can offer valuable guidance, helping borrowers navigate negotiations with creditors effectively.
Addressing Gambling Addiction: A Holistic Approach to Recovery
Identifying the Signs of Gambling Addiction
Recognising the signs and symptoms of gambling addiction is essential for individuals in the UK who may be struggling with financial management due to gambling-related debts. Common indicators of gambling addiction include an inability to cease gambling despite adverse consequences, preoccupation with gambling activities, and utilising gambling as a means of escaping stress or emotional distress.
Individuals may also experience financial difficulties stemming from gambling, resulting in escalating debt levels. Additional signs encompass dishonesty about gambling habits, borrowing money to fund gambling, or neglecting responsibilities in favour of gambling activities. Understanding these indicators is the first crucial step toward seeking help and addressing the underlying issues contributing to gambling addiction.
Awareness of gambling addiction is vital not only for those directly affected but also for friends and family who may observe troubling behaviours. Encouraging open discussions about gambling and its potential consequences can foster a supportive environment, increasing the likelihood of individuals seeking help.
Seeking Professional Assistance for Gambling Addiction Recovery
For those affected by gambling addiction, seeking professional help is a critical step toward recovery. In the UK, numerous resources are available for individuals dealing with gambling-related issues, including counselling services, therapeutic programmes, and support groups.
Counselling can equip individuals with the tools and strategies necessary to combat gambling behaviours. Many therapists specialise in addiction recovery, providing tailored support to those grappling with gambling-related debts. Additionally, cognitive-behavioural therapy (CBT) has proven effective in addressing underlying issues contributing to gambling addiction, such as anxiety or depression.
Individuals may also seek assistance from organisations like Gamblers Anonymous or GamCare, which offer support and resources for those affected by gambling addiction. The significance of professional help cannot be overstated, as it provides individuals with the support and guidance needed to navigate the complex journey toward recovery.
Engaging with Support Groups and Available Resources for Recovery
Participating in support groups and accessing resources is crucial for individuals managing gambling addiction in the UK. Organisations such as Gamblers Anonymous provide a safe and supportive environment for individuals to share their experiences, learn from others, and find comfort in knowing they are not alone in their struggles.
Support groups offer valuable opportunities for individuals to discuss their challenges and successes, fostering a sense of community and accountability. This shared experience can significantly assist individuals in overcoming gambling-related debts and developing healthier financial habits.
Moreover, numerous online resources and helplines are available for those seeking immediate assistance. Websites like GamCare offer information on treatment options, self-help tools, and advice for individuals confronting gambling addiction. By utilising these resources and connecting with others facing similar challenges, individuals can take proactive steps toward recovery and financial stability.
Frequently Asked Questions (FAQs) About Gambling Debt and Consolidation
What is involved in debt consolidation for gambling debts?
Debt consolidation for gambling debts refers to the process of merging multiple gambling-related debts into a single loan, simplifying repayment management. This strategy aims to streamline financial obligations and potentially reduce interest rates.
How can I improve my chances of obtaining a debt consolidation loan?
Enhancing your credit score, maintaining a stable income, and effectively managing your debt-to-income ratio can significantly boost your chances of qualifying for a debt consolidation loan.
Are there risks associated with debt consolidation?
Yes, risks exist, including the potential for higher overall costs if unsuitable loan terms are selected, and the possibility of accumulating additional debt if underlying gambling issues remain unaddressed.
What types of loans are available for debt consolidation?
Common loan types for debt consolidation include secured loans, unsecured personal loans, and balance transfer credit cards, each presenting its own advantages and disadvantages.
How does debt management differ from debt consolidation?
Debt management involves negotiating a repayment plan with creditors, often through a third-party company, whereas debt consolidation combines multiple debts into a single loan for easier management and repayment.
Can I consolidate my gambling debts if I have a poor credit score?
While it may be more challenging, options exist for individuals with poor credit, such as secured loans or collaborating with a debt management company.
What impact does debt consolidation have on my credit score?
Debt consolidation may initially lower your credit score due to hard inquiries, but it can improve your credit score over time if managed responsibly by reducing overall debt levels.
How long does the debt consolidation process typically take?
The duration of the debt consolidation process can vary, typically ranging from a few days to several weeks, depending on the lender and the complexity of the debts involved.
Are there alternatives to debt consolidation available?
Yes, alternatives include Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs), bankruptcy, credit counselling services, and debt settlement strategies.
Where can I find support for gambling addiction?
Support is available through organisations such as Gamblers Anonymous and GamCare, which provide resources, counselling, and support groups for individuals confronting gambling addiction.
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