Phantoms, doesn't matter if you're the best BlackJack player ever. Most of the times its a matter of luck and the cards you get. Today I managed to get from 180 to 1300 points, then lost them all. Tony, I'm really curious as to why you don't like this idea, I think it would be something different, and the points can be distributed equally - some people have a lot they can't spend, some people don't have any.