OK, Frank. Then this followup question: must you have a mathematical application for something to be logical? I ask that because you wrote "In other words, you have my blessing to do as you please, as long as YOU are clear that it is an emotional decision with no mathematical precedent."

Is someone who scores a win at a casino and cashes out the win to make his car payment the next day not using logic, or good sense-- even though he might return to the casino a week later?