 I have patients who gamble in the shower. I have patients who gamble before they get out of bed in the morning. I have patients who gamble while they are driving. There are no guardrails. We scientifically know the human brain, the risk-reward system for a young man isn't fully formulated until you're 25. Where are the young men getting the money to gamble like this? I have patients, some of whom are college students, who have gambled federal student loan money. I have young patients who have gambled away inheritances.