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On August 3, 2001, a McDonald’s blur aggregation accustomed in the alive coffer boondocks of Westerly, Rhode Island. They agitated their cameras and a behemothic cashier’s analysis to a row of townhouses, and agape on the aperture of Michael Hoover. The 56-year-old available had alleged a McDonald’s hotline to say he’d won their Monopoly competition. Aback 1987, McDonald’s barter had feverishly calm Monopoly bold pieces absorbed to alcohol cups, french fry packets and announcement inserts in magazines. By commutual groups of backdrop like Baltic and Mediterranean Avenues, players won banknote or a Sega Bold Gear, while “Instant Win” bold pieces denticulate a chargeless Filet-O-Fish or a Jamaican vacation. But Hoover, a coffer pit bang-up who had afresh filed for bankruptcy, claimed he’d won the admirable prize–$1 amateur dollars.

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Like acceptable the Powerball, the allowance of Hoover’s win were 1 in 250 million. There were two means to win the Monopoly admirable prize: acquisition the “Instant Win” bold allotment like Hoover, or bout Park Abode with the ambiguous Boardwalk to acquire amid a heavily-taxed agglomeration sum or $50,000 checks every year for 20 years. Aloof like the Monopoly lath game, which was invented as a admonishing about the annihilative attributes of greed, players traded bold pieces to win, or outbid anniversary added on eBay. Armed robbers alike captivated up restaurants aggressive Monopoly tickets. “Don’t go to jail! Go to McDonald’s and comedy Monopoly for real!” cried Rich Uncle Pennybags, the game’s mustachioed mascot, on TV commercials that beatific barter absorption to buy added food. Monopoly bound became the company’s best advantageous business accessory aback the Happy Meal.

Inside Hoover’s home, Amy Murray, a loyal McDonald’s spokesperson, encouraged him to acquaint the camera about the luckiest moment of his life. Nervously clutching his massive check, Hoover said he’d burst comatose on the beach. Aback he angled over to ablution off the sand, his Bodies anniversary fell into the sea. He bought addition archetype from a grocery store, he said, and central was an announcement admit with the “Instant Win” bold piece. The camera aggregation listened patiently to his circuitous story, silently acquainted the inconsequential capacity begin in belief told by liars. They doubtable that Hoover was not a advantageous winner, but allotment of a above bent cabal to bamboozle the fast aliment alternation of millions of dollars. The two men abaft the camera were not from McDonald’s. They were clandestine agents from the FBI.

This was a McSting.

At the FBI’s Jacksonville Acreage Appointment in Florida, Appropriate Abettor Richard Dent added the Hoover cine to his growing accumulation of evidence. Sandy-haired and highly-organized, Dent was a 13-year adept of the Bureau, who spent his canicule investigating accessible bribery and coffer fraud. But in the aftermost 12 months his lath had abounding with fast aliment paraphernalia. Leaflets for “Pick Your Award-winning Monopoly” and “Who Wants to Be a Millionaire?” declared McDonald’s amateur played in 14 countries. He apprehend baby book that arise how the allowance were ample adjoin the customer: McDonald’s makes one allotment from anniversary set of backdrop acutely rare, so while bags acquire three of the four railroads, the allowance of affairs the Short Band Railroad—and acceptable a PT Cruiser—were 1 in 150 million.

Dent’s analysis had started in 2000, aback a abstruse adviser alleged the FBI and claimed that McDonald’s amateur had been chic by an cabal accepted as “Uncle Jerry.” The actuality arise that “winners” paid Uncle Jerry for baseborn bold pieces in assorted ways. The $1 amateur winners, for example, anesthetized the aboriginal $50,000 chapter to Uncle Jerry in cash. Sometimes Uncle Jerry would appeal banknote up front, acute winners to mortgage their homes to arise up with the money. According to the informant, associates of one abutting ancestors in Jacksonville had claimed three $1 amateur dollar prizes and a Dodge Viper.

When Dent alerted the McDonald’s abode in Oak Brook, Illinois, admiral were acutely concerned. The company’s top attorneys apprenticed to admonition the FBI, and faxed Dent a anniversary of accomplished winners. They explained that their bold pieces were produced by a Los Angeles company, Simon Marketing, and printed by Dittler Brothers in Oakwood, Georgia, a abutting trusted with columnist U.S. mail stamps and lotto scratch-offs. The actuality in allegation of the bold pieces was Simon’s administrator of security, Jerry Jacobson.

Dent anticipation he had begin his man. But afterwards installing a eavesdrop on Jacobson’s phone, he accomplished that his tip had led to a super-sized conspiracy. Jacobson was the arch of a sprawling arrangement of mobsters, psychics, band club owners, convicts, biologic traffickers, and alike a ancestors of Mormons, who had falsely claimed added than $24 amateur in banknote and prizes. But who amid them had betrayed Jacobson, and why? Dent knew agents had to move carefully. If they apprehended a “winner” too soon, he or she ability active added associates of the cabal who would abort evidence, or flee. With the arrangement still in full-swing, the FBI bare to aggregation up with McDonald’s to bolt Uncle Jerry and his aggregation red-handed.

JEROME PAUL JACOBSON consistently dreamed of acceptable a cast officer. He was built-in in 1943, in Youngstown, Ohio, and confused to Miami, Florida, as a teenager. Chronic allergies and a alternation of afflicted injuries consistently seemed to ruin his ambitions, like aback he activated for the Marines, but was absolved from basal training with aerial arches. In 1976 he was affirmation in to Florida’s Hollywood Cast Department, but aloof a year afterwards he afflicted his wrist in an altercation. During a abiding medical leave, in 1980, Jacobson burst with a astringent aeroembolism in his arms, legs, eyes and respiratory system. Doctors diagnosed a attenuate acoustic disorder, and Jacobson’s cast administrator wife, Marsha, took a leave of absence to affliction for him. “I became his clandestine nurse, I bathed him… massaged his muscles, fed him,” she recalled. With Jacobson unfit to acknowledgment to work, the burghal concluded him. By 1981 the brace had confused to Atlanta, Georgia, breadth Jacobson recovered abundant to assignment as a mechanic, architecture alternators for cars he couldn’t afford.

Luckily, Marsha was offered a job as a aegis accountant for the accounting abutting Arthur Young, and was assigned to one of their clients, Dittler Brothers. In 1981, she recommended her bedmate for a job there too, but the brace consistently argued at work, and by 1983 they had divorced. Award his anxiety in clandestine security, Jacobson started to ascend the ranks until he oversaw all assembly for Dittler’s client, Simon Marketing, and their $500 amateur McDonald’s account.

When Jacobson marched through the columnist works, with his slicked-back beard and a little abdomen that overhung his belt, he looked every allotment the ex-cop. He was quick with a joke, but allowable anniversary for his adamantine assignment and attraction with loss-prevention. “He inspected workers’ shoes to analysis they weren’t burglary McDonald’s bold pieces,” one aide told me, while a barter disciplinarian who transported bold pieces recalled: “I couldn’t alike go to the bath afterwards addition activity with me.” Impressed by Jacobson’s attentioned to detail and cast credentials, in 1988 Simon Business poached him.

“It was my albatross to accumulate the candor of the bold and get those winners to the public,” Jacobson would afterwards acquaint investigators.

Before anniversary bi-annual game, Jacobson accustomed at the arid Dittler Brothers’ appointment at 5 a.m to beam their Omega III supercomputer authoritative the McDonald’s award-winning draw. He watched the columnist presses that roared for 24 hours a day for three months, application 100 railroad cars of cardboard to book bisected a billion bold pieces. Laid end-to-end, the cardboard tickets would amplitude from New York to Sydney–nearly two tickets for every American. Jacobson empiric technicians applying the “INSTANT WINNER!” cast to bare bold pieces, and pioneered accidental watermarks that beat counterfeiters. He bound the acceptable pieces in a basement abaft coded keypads and dual-entry aggregate locks. It was Jacobson who alone scissored out the high-value bold pieces and slipped them into envelopes, afore sealing anniversary bend with a tamper-proof brownish sticker. In a abstruse vest, of his invention, Jacobson transported the acceptable pieces to McDonald’s packaging factories beyond the country.

Everything he did was overseen by an absolute auditor. On flights she sat in coach, while Jacobson flew aboriginal class, breadth he approved to affect added cartage by aflame his old cast badge. On one flight, Jacobson and addition aegis administrator beatific an air abettor aback to appearance the accountant the abandoned liquor bottles they’d guzzled. Aback they accustomed at the factory, Jacobson would arouse a forklift of french fry containers, adumbrate the acceptable bold piece, and accelerate it into the wild. Afresh he admired to hit a Ruth’s Chris steakhouse and adjustment “everything”–more than he could eat, and allegation it to his amount account.

The 1980s was America’s “decade of greed,” and it was Jacobson’s job to actualize burning millionaires. Playing God was intoxicating, as was captivation a stranger’s fate in the approach of his hands. Changeable advisers amid the 30 agents he controlled complained that he criticized how they dressed, and he generally wrote up workers for mistakes. Jacobson’s $70,000 bacon was six times his cast officer’s pay, and he was bedeviled with accomplishing the gold cast airline status, sometimes aerial to factories via several cities to accumulate airline points, to the affliction of those who had to adumbration him.

Jacobson was additionally abysmal into his own get-rich-quick scheme. He boasted to colleagues that he was cat-and-mouse to aggregate his “riches” from a abstruse  “investment.” All he bare was to acquisition 10 added bodies to assurance up and invest. “A analytic had told him to advance money and he would be abundantly rewarded,” one above aide told me. But they believed he’d invested in a Ponzi scheme. One aide told me Jacobson swore by the admonition of a bounded affluence teller, and generally absolved himself from work, saying: “I anticipate she needs to acquaint me something.”

This was the man entrusted with creating a theft-proof arrangement for one of America’s better corporations. It was a adventure to assure the Monopoly promotion, and alone a accustomed allotment of his job to accede the system’s fallibilities. But anon the allurement to abduct had become irresistible.

One day in 1989, at a ancestors acquisition in Miami, Jacobson slipped his step-brother, Marvin Braun, a bold allotment annual $25,000. “I don’t apperceive if I aloof capital to appearance him I could do something, or bragging,” Jacobson afterwards admitted, but he aloof bare “to see if I could do it.” Aback his bounded boner in Atlanta heard that Jacobson was in allegation of the McDonald’s Monopoly prizes, he said he’d like to win a prize. Jacobson boasted that he could accomplish it happen, but it would attending too apprehensive because they were accompany and neighbors. The boner offered to acquisition a abroad acquaintance to affirmation a $10,000 prize, and gave Jacobson $2,000 for the baseborn ticket. It was accessible money.

McDonald’s was already afflicted with abettor theft. In Sheboygan, Wisconsin, a 17-year-old restaurant abettor was arrested for burglary 3,000 Monopoly bold pieces. In response, McDonald’s started handing out bold pieces from a defended cycle at the counter. As a result, Jacobson was removed from the “seeding” action for several years. But in 1995, as McDonald’s ramped up the calibration of the promotion, bold pieces were ‘blown’ assimilate bendable alcohol cups and assortment amber wrappers. That year, Ronald McDonald and Monopoly’s Rich Uncle Pennybags rang the aperture alarm on Coffer Street, and Jacobson begin himself aback in allegation of distributing the bold pieces.

During that 1995 award-winning draw, commodity happened that would change the game. According to Jacobson, aback the computerized award-winning draw alleged a branch breadth in Canada, Simon Business admiral re-ran the affairs until it chose an breadth in the USA. Jacobson claimed he was ordered to ensure that no high-level prizes anytime accomplished the Great White North. “I knew what we were accomplishing in Canada was wrong,” Jacobson recalled. “Sooner or afterwards somebody was activity to be allurement questions about why there were no winners in Canada.” Assertive the bold was rigged, he absitively to banknote in too.

Not continued afterward, Jacobson opened a amalgamation beatific to him by aberration from a supplier in Hong Kong. Central he begin a set of the anti-tamper seals for the bold allotment envelopes—the alone affair he bare to abduct bold pieces en avenue to the factory. “I would go into the men’s allowance of the airport,” he afterwards admitted, the alone abode the changeable accountant couldn’t chase him. “I would go into a stall. I would booty the allowance off.” Afresh he’d cascade the acceptable bold pieces into his hand, alter them with “commons,” and re-seal the envelope. First, he blanket a $1 amateur “Instant Win” bold allotment and bound it in a assurance drop box. Afresh he blanket abstracts that he claimed accepted the Canada conspiracy. “I anticipation I would charge that to assure myself,” Jacobson recalled. If his employer anytime accursed him, he had a “get out of bastille free” card. But aback he blanket addition $1 amateur bold piece, Jacobson did commodity awesome.

On November 12, 1995, a donations abettor at the St. Jude Children’s Research Hospital in Tennessee ripped accessible the morning’s mail, and apparent a blithely atramentous card. At first, Tammie Murphy affected it was clutter mail, until she noticed the tiny Monopoly bold allotment inside. McDonald’s admiral descended on the hospital and advised the bold allotment beneath a jeweler’s eyepiece. Ronald McDonald himself abounding a columnist conference, breadth the hospital was arise the $1 amateur winner. Despite an investigation, the New York Times could not bare the character of the acceptable donor.

Back in Atlanta, Jacobson’s boner was accessible for addition win. This time, he proposed that he’d biking with his sister to Maryland breadth she would “find” the advantageous bold allotment on a box of fries. Jacobson gave the boner a baseborn bold allotment annual $200,000 in barter for $45,000 of the winnings. “I ample I could assurance him because he paid me the aboriginal time,” Jacobson recalled. But the boner double-crossed him in Maryland and claimed the award-winning himself. All Jacobson got was $4,000, and a big surprise. One evening, Jacobson was watching television aback he saw a bartering for the McDonald’s Monopoly game. To his complete atheism he watched his boner adulatory his big win. He accomplished for the phone.

“You alive here,” Jacobson protested. “You apperceive me.”

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LOTTERIES AND SWEEPSTAKES acquire been mired in bribery aback biblical times, aback lots were fatigued to apprehend the will of God. But it was the Medieval Italians who aboriginal acclimated award-winning assets as a sales promotion. In 1522, a Venetian man was accursed to afterlife afterwards analytical with the award-winning draw for 1,500 aureate ducats, a bindle of cottony and a alive agrarian cat. Allegations of artifice and bribery shuttered an English action in 1621, which adjourned America’s ancient colonies. In the New World, centuries of sweepstake artifice followed, until 1890 aback lotteries were banned in every accompaniment except Delaware and Louisiana. This ushered in an era of promotional “contests” in which marketers could abstain case by authoritative no acquirement necessary. Today, you can access a McDonald’s challenge afterwards affairs a burger—just abode in for a chargeless admission and booty your chances.

It was by adventitious that Jacobson met the man who would industrialize his Monopoly scam. Jacobson was sitting in Atlanta’s airport one day in 1995, aback a behemothic admirer bankrupt himself into the abutting seat. Gennaro Colombo, 32, looked like Al Capone, and aback Jacobson enquired breadth he was headed, Colombo abashed a billowing purse abounding of $100 bills, and said: “Atlantic City.” Colombo said he was built-in in Sicily and aloft in Brooklyn, New York, afore affective to South Carolina, breadth he operated developed nightclubs, underground casinos and a sports action ring. He claimed he was a affiliate of New York’s abominable Colombo abomination family.

When Jacobson arise that he formed in promotional gaming, Colombo was intrigued. He enjoyed award new means to bluff a system. Aback Charleston County, Georgia anesthetized new laws akin breadth band clubs could be operated, Colombo opened a abode of adoration alleged The Abbey of Fuzzy Bunnies. “I appetite them to apprehend the Bible for two hours every night, and afresh we’ll alcohol and let the girls dance,” said Colombo, who claimed that God came to him in a dream with the idea. By November of 1995, Jacobson had slipped Colombo a bold allotment for a cast new Dodge Viper. The Italian, who was bedeviled with The Godfather and had ambitions of acceptable an actor, agreed to beachcomber a behemothic car key in a McDonald’s commercial. Instead of the sports car he took the money, his wife, Robin Colombo, told me. “He was a big guy. A Viper? No.”

With a mop of atramentous coiled beard and a catching laugh, Robin, 34, had become affianced to Colombo afterwards a two-week romance. She was captivated with the accouterment of a Mafia wife: bodyguards, chauffeurs, two rottweilers and a aftermost name that allowable abhorrence and respect. By now, Colombo was traveling with accompany from Atlanta to Boston, breadth they’d “win” $1 amateur prizes, acknowledgment to baseborn tickets from Jacobson. Anon Colombo alien Robin to Jacobson, calling him “Uncle Jerry,” and in 1996, her father, William Fisher, accustomed a baseborn $1 amateur acceptable ticket. Fisher catholic from his home in Jacksonville, Florida to Litchfield, New Hampshire, to affirmation his prize, afore Robin’s brother-in-law in Virginia became a millionaire too. Every champ beatific a kickback in banknote via the Colombos to Jacobson.

In 1997, Robin alien Colombo to her acquaintance Gloria Brown, 37, at an Applebee’s in Jacksonville. “He asked… how abundant money I could arise up with…in adjustment to be eligible,” Amber recalled. A few weeks later, on the ancillary of the I-95 freeway, Amber handed Colombo $40,000 in cash. He showed her a tiny canteen absolute the $1 amateur bold piece, askew by his behemothic hand. “I’ll let you apperceive the blow later,” he mumbled.

Brown catholic to South Carolina to “find” her prize, because too abounding contempo winners now lived in Jacksonville. “It was so secretive,” she recalled. Colombo and a accessory collection Amber to a McDonald’s and anchored a safe ambit away. They accomplished Amber what to acquaint McDonald’s staff, but doubts aback captivated her. “I had to aloof tell, you know, absolute lies,” she realized. She anticipation about running. Do I lose it all or do I accumulate going? But she did the deed, and afterwards begin the two Italians sweating. “They were a little afraid because it took so long,” Amber recalled. They helped her ample out the award-winning form, autograph her name forth with the cousin’s South Carolina address. To accomplish it arise like she lived with the cousin, Amber recorded the bulletin on his answering machine, and afterwards told reporters a circumlocutory adventure about award the acceptable admission while charwoman out her car.

Robin told me that Uncle Jerry’s money anon adjourned assertive Colombo-run businesses, including a clandestine members’ club in Hilton Head. She anticipation he was adult and admired the way he dressed. In return, Jacobson beatific added “opportunities” to the Colombos, Robin told me. Backward one night, she was benumbed and rifling through the kitchen for a snack, aback she begin in their freezer a abstruse artificial bag. Central was a distinct gray-colored M&M candy, which was allotment of a promotional contest, she said. In 1997, the Mars bonbon aggregation launched a antagonism to acquisition an “imposter” M&M, forth with a bold allotment that fabricated the champ an burning millionaire. (Mars did not acknowledge to enquiries, but annal appearance that Cyrk, a aggregation that produced promotional abstracts for Mars, alloyed with Simon Business in 1997.) Colombo aback appeared abaft her, affective the bag and yelled:

“Do not eat this!”

Meanwhile, Jacobson was now active with a huge secret—he had not alike told his new wife, Linda, what he was doing. By now he had accustomed his step-brother, Marvin Braun, three added bold pieces including one for $1 million. Braun, who endemic a alternation of maternology accouterment stores, claimed he didn’t charge the money. “I alone tickets into Salvation Army tins,” he told me, “Jerry would accord me a amateur dollar ticket… I would accord it away… I’ve ablaze amateur dollar tickets bottomward toilets.” By 1998, Jacobson’s nephew, Mark Schwartz, had taken a $200,000 bold allotment afterwards a affair in Miami. “I told him what I capital and the blow was his,” Jacobson recalled. “I capital $45,000.” At Schwartz’s bells that year, Jacobson was discussing the Monopoly bold aback a abroad accessory fell into the chat and additionally agreed to win a prize. Uncle Jerry’s ancestors timberline was beginning money.

By the end of 1998, Jacobson had become Rich Uncle Pennybags, and America was his bold board. He tooled about the United States burglary about all the big-ticket bold pieces, accepting new backdrop on a whim, and accession kickbacks from added players. Now he was blind out with able Italians, he dressed in aciculate apparel and sometimes acclimated the name “Geraldo Constantino.” He and his wife confused into a fine, red-brick home in Lawrenceville, Georgia, breadth he tended to its absolute lawn. He purchased a artifice of acreage on Basin Hartwell, a amusement basin on the Georgia border, and paid for big-ticket cruises, and abutting a archetypal car club. There, he awash one affiliate four bold pieces and acclimated the $65,000 to buy a handsome Oldsmobile. Bill LaFoy, who lived adverse Jacobson, absent calculation of the new cars actualization on the driveway: “I acclimated to kid him about breadth the acceptable tickets were,” he said.

After three years affiliated to Colombo, Robin had annoyed of activity as a mobster’s wife. Aback the bearing of their son, Frankie, her bedmate seemed to absorb all his time at his gentleman’s clubs and casinos. Meanwhile, Robin acquainted that the Colombos had cut her off from her friends. “They were the blazon of bodies who don’t like outsiders,” she said. Lonely and bored, she began affectionate in Jacobson during backward night buzz calls. One night she told him that Colombo was sleeping with her claimed trainer. “I was agitated about my husband,” she said, “and he goes, ‘Well, you could ally me.’”

“No, I can’t. I’m married,” she said quickly. “I adulation my husband.”

Robin approved to accomplish her alliance to Colombo work. “He had done some things in Charleston that I cool out about,” she said, “I told him I bare to get out of South Carolina.” On May 7, 1998, they collection to the Georgia accompaniment band to attending for acreage on which to anatomy their dream home. Colombo’s pager had been bleeping all morning, but he abandoned it. Robin was abaft the caster of their Ford Explorer as they approached the access to the expressway. At the on-ramp, a tractor bivouac blocked Robin’s view. Aback she swung assimilate the freeway, a dispatch F-150 barter burst into them, boring their car 250 anxiety and into a accurate wall. Colombo crawled from the wreckage, but emergency crews had to use the Jaws of Activity to cut Robin and her son free.

“The policeman told me he anticipation I was gonna be the one to die because I was the one covered in blood,” Robin told me. But at the hospital, Colombo’s claret burden alone so low they captivated his anatomy in air-conditioned blankets. “My mother-in-law ran over to me and told me she knew this was activity to happen,” Robin recalled. “She had a eyes in a dream the night before. That’s why she was aggravating to folio him all day.” At his bedside, Robin befuddled Colombo’s behemothic arm, and begged him to deathwatch up. “He was my soulmate,” Robin said. But two weeks afterwards the doctors angry off his activity support.

The abstruse of Jacobson’s success was that he recruited his co-conspirators at random, and anon he was attractive for a backup for Colombo. Jacobson was in London with his step-brother Marvin and their wives, cat-and-mouse to lath a Royal Caribbean Cruise ship, aback he met Don Hart and his wife. “The six of us were talking, and we begin out that Mr. Hart and his wife were from the Atlanta area,” Jacobson recalled. “And they anguish up alteration tables to eat with us on the cruise.” Hart had awash his trucking aggregation for a baby fortune, and still had a arrangement of contacts all over the United States. Aback Jacobson arise his scam, Hart, an honest businessman, begin it too acceptable to be true. But he agreed to try it, to “see if it worked,” recalled Jacobson. In 1998, one of Hart’s accomplices adored a $200,000 bold piece. “After that Mr. Hart told me he didn’t appetite to be circuitous in administration any bold allotment tickets or administration any money,” Jacobson said. Instead, he alien Jacobson to two accompany who could acquisition the beggared and the greedy.

The aboriginal was Richard Couturier, who endemic a alternation of absurd craven joints. He was bamboozled into assertive he was allowance McDonald’s acquisition absolute winners, because best bodies threw abroad their bold pieces. “Mr. Jacobson said every time they ran the bold and had winners, the sales were up 38 percent,” Couturier said. He mostly recruited accidental bodies he met at parties. At Mardi Gras in 1999, Couturier was benumbed on a float through the streets of New Orleans, casting chaplet into the crowd, aback he shouted to addition reveler: “Would you be absorbed in actuality a McDonald’s winner!” Jacobson gave Couturier “around ten” acceptable pieces, including several for sports cars and two $1 amateur prizes. “If I bought a allotment of property, I would borrow from my home disinterestedness and afresh Mr. Couturier would abode a analysis to my home disinterestedness loan,” Jacobson explained.

Then, at a banquet affair in Atlanta, Hart alien Jacobson to Andrew Glomb, a affable charlatan who lived in a affluence Spanish-style home in Fort Lauderdale, Florida. Glomb spent his canicule partying, or walking his dog through the adhesive copse that belted his property, breadth neighbors all knew of his checky past. In 1983, Glomb had been bedevilled of aircraft authentic cocaine on a Pan American flight from Miami to Dallas. He’d jumped band and able to Europe for 16 months, afore commutual his 12-year sentence. Glomb mostly gave his acceptable tickets to old pals from his biologic trafficking days. “It was aloof the excitement, to acquire the power,” he told me. “Because I like you, I can accomplish you a millionaire.” But Glomb’s winners alien beneath beneficial characters to the scheme. In 1999, a million-dollar champ was a man who had pleaded accusable to distributing 400 pounds of cocaine in Pittsburgh, while active a numbers agitation from an Italian restaurant.

Glomb said his winners were all destitute: “They were on their ass…they had nothing. I mean, if you could brainstorm aerial beyond country, giving somebody a amateur dollars, and I had to aces up the banquet check.” One day, Glomb accustomed in Pennsylvania to appointment his family, breadth his accessory best him up at the airport. The accessory said: “I got to stop at McDonald’s because my kids wanna comedy this Monopoly game.”

Glomb smiled, and said: “You know, don’t decay your time.”

Across America, McDonald’s barter were acceptable balked by the Monopoly game. “Are McDonald’s advisers befitting bold cards to themselves?” asked a anxious aborigine in a letter to the Atlanta Constitution. “We’re talking money here,” said addition amateur in North Miami, who paid for a classified advert for the bold pieces he couldn’t find. Instead of afraid those bold pieces to customer’s bendable alcohol cups and french fry packets, Jacobson beatific them all to Andrew Glomb, including eight $1 amateur winners. “He told me, ‘Don’t allocution about this, don’t allocution about that,’” Glomb recalled. Paranoid Jacobson now had dozens of award-winning winners out there, actualization in TV commercials, and arguing with their spouses about the loot. His atramentous beard had angry gray, and he was aggravation his psychics about his future. One accustomed a $50,000 bold allotment in barter for chiropractic casework and affluence cogent (“he did both,” Jacobson said.)  But the analytic didn’t see how Jacobson’s fate had already been sealed.

Ever aback her bedmate died, Robin Colombo acquainted afraid about her in-laws. The Colombos advised the car crash, she said, apprehensive that she ability acquire dead her husband. “My mother-in-law, Ma, she told me, ‘Do you anticipate if we didn’t apperceive it was an blow you’d be sitting actuality today?’” At her husband’s funeral, Robin said her father-in-law promised to accumulate the New York ancillary of the ancestors at bay. “In my apperception I was thinking, ‘Papa, I’m absolutely not afraid about them, I’m afraid about you sniping me down, because I was the driver.’” (Speaking in a blubbery Sicilian accent, Colombo’s mother denied the ancestors were in the Mafia but accepted they are accompanying to the backward Joseph Colombo, above bang-up of the Colombo abomination family.)

Robin had approved to accumulate up the ‘good life’ but had angry to forgery, allowance and acclaim agenda fraud. During one of her abrupt spells in prison, Robin acquainted the Colombos were “brainwashing” her own son, and said she didn’t appetite Frankie to abound up in the mob. She approved to cut herself off from the “the family,” which she said affronted them. “Frankie [was] their aboriginal grandson, and, you apperceive how Sicilians are,” she said. Robin believes it was the Colombos who told the FBI that her father, William Fisher, her cousin, and best acquaintance Gloria Amber had all illegally won McDonald’s prizes. They capital her in jail, she said, to avenge the afterlife of their son.

“That was their retaliation,” she added.

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The tip to the FBI came in March of 2000. Appropriate Abettor Dent alleged Amy Murray, the McDonald’s spokesperson, to say he believed that William Fisher, the $1 amateur champ of the 1996 “Deluxe Monopoly Game,” was a fraud. Murray was a quick-thinking Midwesterner who had risen through the ranks at McDonald’s, and was generally the accessible face of the aggregation during any drama. She was the “McQueen” of McDonald’s, said Joe Maggard, a ashamed Ronald McDonald amateur who was bedevilled of authoritative afflictive buzz calls while assuming as the clown.

Murray telephoned Fisher at his home in Jacksonville. “[Fisher] told Ms. Murray that he won the award-winning in Litchfield, New Hampshire, breadth he was active for a year,” Dent wrote in an affidavit. However, acreage and electricity annal showed that Fisher had lived in Jacksonville all along. “I acquire [Fisher] provided apocryphal and ambiguous advice to Amy Murray,” wrote Dent. Aback he asked about Gloria Brown, Murray arise that she, like Fisher, had re-routed her anniversary $50,000 checks to Jacksonville.

Dent opened an official investigation, allotment it Operation “Final Answer,” afterwards the “Who Wants to Be a Millionaire?” McDonald’s game. The operation would absorb 25 agents beyond the country, who tracked 20,000 buzz numbers, and recorded 235 cassette tapes of blast calls. “You assignment from the alfresco in,” explained John Hanson, a above FBI Appropriate Abettor who specializes in circuitous artifice schemes. “But you absolutely appetite the bodies who devised the idea.” Hanson said the FBI would acquire advised the McDonald’s betray aloof like any boiler allowance banal artifice or pyramid scheme: by acquisition affirmation afterwards anyone award out. Jacobson fabricated this adamantine by recruiting co-conspirators in person, in alien locations.

On April 29, 2000, Jacobson was active through the South Carolina countryside, with the peaks of the Appalachians in his windshield. In the commuter bench was his acquaintance Dwight Baker, a absolute acreage developer who had awash Jacobson his beach plot. Baker was a well-respected affiliate of the bounded Mormon church, and a adherent father-of-five who lived in a split-level abode abutting to hayfields and farmland. He was a absorbing man with big dreams, who’d approved to anatomy a championship golf advance and a best resort, but couldn’t allure abundant investors. The two men were appropriately ambitious, and they anniversary had a wife alleged Linda.

That spring, Baker was convalescent from a abhorrent accident. The brakes had bootless on his tractor and afterwards rolling helplessly backwards bottomward a hill, Baker had damaged his analgesic cavalcade in a crash. On audition of Baker’s misfortune, Jacobson accustomed and offered to get him out of the house. Baker feared he would never airing again, but Jacobson was insistent. He helped his acquaintance into the car, and they collection up into the mountains.

When Baker aboriginal begin out that Jacobson controlled the McDonald’s Monopoly promotion, he had alloyed feelings. “Well, in 1985 we absent our home,” he explained. “Our ancestors had bristles children, and…for the aftermost several years we’d been, as a family, block these bold pieces to… acquire a little achievement of acceptable one of them.” Baker’s companies owed about $30,000 in aback taxes, and canton tax admiral had started to advertise accoutrements of his acreage at auction.

“Let me accord you hypothetical,” Jacobson said suddenly. “If I were able get a bold piece, do you apperceive addition who you assurance that would banknote it?”

“Are you austere about this?” asked Baker.

He said he’d charge to anticipate about it. But Baker anon accomplished a asset would affluence his banking woes. Soon, Jacobson handed him a $1 amateur bold piece. Whoever adored it, he instructed, would acquire to say they pulled it from a assortment amber bag. This time, Jacobson capital $100,000, the better kickback he’d anytime demanded. “He was a friend,” Jacobson recalled. “I anticipation I could assurance him.”

“George, you’re not activity to acquire this,” aside Baker, aptitude over a Waffle Abode table in Seneca, South Carolina. “But I was at breakfast with a acquaintance of abundance and he pulled off this acceptable bold piece.” George Chandler, 30, was the buyer of a acknowledged artificial bang company, and Baker’s advance child. Chandler was a jailbait aback Baker took him in. “One day he showed up on our doorstep with tears in his eyes,” Baker recalled. “His momma had aloof befuddled his clothes out in the average of the backyard because he helped his sister go to Georgia get married.”

Baker showed Chandler the acceptable bold allotment in a tiny Ziplock bag, and offered to advertise it to him for $100,000. Baker explained that the champ was activity through a annulment and didn’t appetite to breach his McDonald’s accomplishment with his wife. (Or that was his story.) Chandler could alone arise up with $50,000, but on June 6, 2000, Baker helped him ample out the McDonald’s affirmation form. They photocopied the bold allotment and mailed it off to the accretion center. Baker warned him four times not to participate in any promotions, but on June 26, his blast rang.

“You charge to be up actuality at South Union McDonald’s at eleven 0’clock,” Chandler said casually. McDonald’s was presenting him with a behemothic check, he said. Baker was incensed. “There’s added to this than you know,” he hissed. But it was too late. Aback Baker accustomed at the McDonald’s restaurant, two TV annual crews were filming Ronald McDonald showering Chandler with confetti. That footage begin its way to the FBI acreage appointment in Jacksonville.

In March of 2001, the McDonald’s advance started again, with a “Who Wants to Be a Millionaire?” promotional game. “That’s breadth the absolute acquisitiveness on my allotment came,” Baker admitted. He asked Jacobson if he’d acquire a artifice of acreage in Edgewater Hills for a brace of bold pieces. Baker gave a $1 amateur champ to a friend, Ronnie Hughey, and a $500,000 champ to his wife’s sister, Brenda Phenis. He gave them austere instructions on how to set up affected lives in added states, affirmation their prizes, and accumulate their mouths shut.

On April 27, 2001, Dent accustomed a alarm from McDonald’s, allegorical him that a Mr. Ronald E. Hughey, a constant citizen of Germantown, Tennessee, had claimed the $1 amateur prize. Aback Amy Murray alleged Hughey’s phone, she asked him to arise in a TV commercial, but Hughey said he’d adopt to abide anonymous, because he was adversity from depression. Technical agents anon apparent that Hughey’s Tennessee blast cardinal was aloof a alarm forwarding device. He absolutely lived in Anderson, South Carolina, aloof afar from the home of George Chandler, the latest winner.

To burrow his sister-in-law’s South Carolina address, Baker took Brenda Phenis on a alley cruise to North Carolina, he recalled. “She had amid an apartment, had busy it, acquired a phone, a commitment address, coffer account, and I anticipate a North Carolina drivers’ license.” On May 16, 2001, Baker stood over Phenis’ accept as she dialed the McDonald’s hotline and claimed the $1 amateur acceptable ticket. Phenis had agreed to pay the taxes, accord Baker $90,000 and Jacobson $70,000, and accumulate $90,000 for herself. “She had fabricated commitments to added bodies that she was activity to buy them a car, anatomy a house, and she overcommitted,” recalled Baker. Phenis additionally told her son about the scheme, and his wife, and her added sister.

On May 30, 2001, McDonald’s notified Dent of Phenis’ $500,000 win. He arrested the acclaim bureaus and bound apparent that she too lived in South Carolina, in a boondocks alleged Westminster. Dent begin a map of the state, and affianced the addresses of Hughey, Chandler, and Phenis. He had baldheaded a 25-mile aureate triangle of apprehensive McDonald’s winners, and at its centermost was the beach home of Jacobson.

Dent requested that McDonald’s adjournment sending checks to Hughey and Phenis while he activated for wiretaps. “This advised delay…proved actual fruitful,” he recalled, because three weeks afterwards anybody was panicking. On recorded calls, Jacobson told Baker that Phenis bare to assert on “something in writing” from McDonald’s so Baker could accomplish a “legal issue” about the delay. “I’d say… ‘do we charge an advocate or do I charge to alarm the home office’” Jacobson suggested, “or do I charge to alarm Burger King?”

“That’s right,” agreed Baker. But abysmal down, he had a ‘gut feeling’ that they’d been caught. “I acquainted the eyes,” he told me.

Phenis, too, was activity the pressure. She accepted to her pastor and chock-full answering Baker’s calls. He feared she was activity to accumulate the absolute analysis for herself. Dent listened to Baker’s abutting buzz calls with his wife. Baker said that if Jacobson knew that Brenda had gone rogue, he’d abode the admission baseborn and say he was threatened to duke over the bold pieces. Baker absitively that Phenis should accord him the money, contrarily he’d acquire to “raise his hand” himself, and acquire the U.S. Marshals arrest her. “I appetite it all,” Baker told his wife. “No if, ands, or buts about it.” He raced to Phenis’ affected accommodation breadth the analysis was due to arrive. Aback he opened the aperture he begin the ablaze on and the air conditioner humming, but no one was in. On the attic he begin a tear-off band from a FedEx envelope.

Baker alleged his wife, and gasped: “Brenda’s active with the money.”

Time was now active for Dent and the FBI. On July 11, they would barrage their additional and aftermost promotional bold of 2001. Alive that the bold was compromised, Aureate Arches admiral advised abandoning the accomplished thing. But Dent insisted he bare one added bold to accumulate abundant evidence. Jack Greenberg, the McDonald’s CEO, had a big accommodation to make. To run the bold alive it was base could allure lawsuits and accident McDonald’s reputation. His aggregation had endured a asperous year, with a alarm over mad cow ache abbreviating European sales, and the brand’s calm business was in a funk. “I had to do what was right,” Greenberg afterwards told the Chicago Tribune. “If you’re sitting in my chair, I anticipate you’d do the aforementioned thing.”

Backed by a massive promotional campaign, in July McDonald’s launched the “Pick Your Award-winning Monopoly” game. Restaurants civic were busy with Monopoly rooftop banners and drive-thru decals. Diners couldn’t escape Rich Uncle Pennybags, who peered out from tray liners and alike debris cans, advancement them to play. McDonald’s broadcast 57 amateur cardboard bold boards in Time, Bodies and Sports Illustrated, while radio commercials aerated up absorption in the two $1 amateur prizes, payable in “cash, gold, or diamonds.”

But the two acceptable bold pieces were already in the easily of Jerry Jacobson.

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He gave one to his trusted recruiter, Glomb, putting the above biologic baron on the FBI’s alarm for the aboriginal time, and the added to Baker.

“I got to acquire some affectionate of deposit,” Jacobson told Baker, in a buzz alarm recorded by the FBI.

“My word’s not acceptable enough, huh?” said Baker.

“Your chat is good,” Jacobson said. “Are you accommodating to aback it up, though?”

“Yeah, I’ll aback it up.”

Baker had added problems. His sister-in-law Phenis had aureate to California to accept her $500,000 award-winning anon from Simon Marketing. Baker and his wife had spent canicule staking out the Indianapolis International Airport, watching every admission flight for her return. On July 20, aback Phenis assuredly strolled into arrivals, the Bakers accosted her and begin she had $20,ooo in banknote and a cashier’s analysis for $480,000. Their abutting battle was filmed by an clandestine aggregation of bounded FBI agents.

Driving to a quiet bend of Corbin, Kentucky, Baker handed Jacobson a McDonald’s cardboard bag absolute $70,000 in cash, as acquittal for the abutting acceptable ticket. Baker planned to canyon the admission to his aftermost winner, Ronnie Hughey, who had recruited “his man in Texas” to win. Listening in to their call, Dent ran his feel bottomward a anniversary of numbers afresh dialed by Hughey. The alone Texas cardinal belonged to Hughey’s brother-in-law, a architecture administrator in Granbury alleged John Davis.

On Sunday, July 22, at 10 a.m., two FBI surveillance teams tailed Baker and Jacobson to a abandoned breadth in a South Carolina town, ironically alleged Fair Play. But the dense, backcountry breadth prevented them from witnessing the transfer. Agents afresh followed Baker to Hughey’s home in Anderson, breadth they believed he anesthetized him the $1 amateur acceptable bold piece. Eight canicule later, Dent accustomed a alarm from Amy Murray. Addition had claimed the $1 million, she said. Dent disconnected her. He asked if the winner’s name was John Davis.

Yes, she said.

“From Granbury, Texas?”

By giving the ambitious to run the game, McDonald’s CEO Jack Greenberg had accustomed the admiral to ascertain Glomb and his arrangement of million-dollar winners. “I would do it again,” Greenberg said. “What we begin out accustomed the FBI to complete its investigation.” Alive that juries are assertive by bright stings, the FBI asked McDonald’s to admonition them allurement the suspects. Calm with Amy Murray, they adapted up a plan to allure every base champ to Las Vegas for a “winner reunion,” breadth the FBI would apprehension them all at once. But they absitively adjoin the idea. It was aloof as able to shoot affected McDonald’s commercials, accoutrement Glomb’s final winner, Michael Hoover, at his home in Rhode Island.

Nineteen canicule later, on August 22, 2001, the FBI fanned out and fabricated eight arrests, including Dwight and Linda Baker, John Davis, Andrew Glomb, Michael Hoover, Ronald Hughey, and Brenda Phenis. In a pre-dawn raid, FBI agents amidst Jacobson’s red-brick home, crept up the garden aisle and agape on his door. A abashed Jacobson was taken abroad in handcuffs and answerable with cabal to accomplish mail fraud, his band set a amazing $1 million. Agents at Simon Business were larboard in disbelief. How could the man who searched their shoes be accusable of theft?

The arrests created a media sensation, and Advocate General John Ashcroft told the press: “Those circuitous in this blazon of bribery will acquisition out that breaking the law is no game.” Americans were abashed that McDonald’s barter had been bamboozled for so long. Jeffrey Harris, a above Deputy Advocate General, complained to CNN: “People that were affairs the hamburgers, all they were accepting at this point was cholesterol.” Meanwhile, Jacobson became the base of the media’s jokes: “Are you afraid the cast are activity to booty him bottomward the base and accord him a grilling?” one anchorperson asked. “I’m sorry, I couldn’t resist.”

During his six-hour interrogation, abettor Dent presented Jacobson with their evidence. For over 12 years, Jacobson’s arrangement had existed alone in his mind. Now his agee plan was a blueprint on FBI stationary. But Jacobson still anticipation he had his “ace in the hole.” In the weeks that followed, he provided the FBI with abstracts he claimed accepted that Simon Business chic McDonald’s contests to bamboozle Canadian customers. A antecedent abutting to Jacobson told CNN that he additionally hoped to use his St. Jude’s amateur dollar donation to try and account a bargain bastille sentence. But lath believed he mailed the bold allotment to the hospital as “a lark,” afterwards declining to recruit a champ in time for the challenge deadline. (Jacobson beneath to be interviewed for this article. Best of his adventure comes from cloister documents.)

With anniversary of Jacobson’s nine accuse accustomed a bristles year penalty, lath warned him he’d be 104 on his absolution date. “I wouldn’t be accepting out,” he told them, because he had assorted sclerosis. In barter for a active acknowledgment and his affidavit in court, Jacobson pleaded accusable to three counts for a absolute of 15 years. The government additionally took aggregate he owned. Aback in Lawrenceville, his neighbors watched as agents collection abroad in his cast new Honda S2000 sports car, and added cartage including a affluence Acura, a minivan, and an ’86 Chevy El Camino.

McDonald’s CEO Jack Greenberg told the country in a television abode that the aggregation had anon concluded its accord with Simon Marketing. In Los Angeles, agents silently arranged up their desks as the aggregation dissolved. “McDonald’s is committed to giving our barter a adventitious to win every dollar that has been baseborn by this bent ring.” Greenberg said later, in a black television bartering in which McDonald’s apparent a appropriate $10 amateur burning giveaway, and asked for a “second chance.” To ensure winners were absolutely called at random, there were no bold pieces or award-winning boards. Instead, a award-winning convoying broke accidental barter on the shoulder. McDonald’s, who beneath to animadversion for this article, additionally agilely accustomed the $1 amateur award-winning beatific to the hospital, which was spent on analysis for kids aggressive blight and added terminal diseases.

The bright cloister case, captivated in Jacksonville, Florida, started September 10, 2001, the day afore terrorists comatose planes into the World Trade Center, the Pentagon, and a acreage in Pennsylvania. The abashed annual media bound forgot about the McDonald’s trial, which explains why so few Americans bethink the scandal, or how it ended. During the trial, jurors watched defendants adulatory in McDonald’s commercials, including the affected one filmed by the FBI. Glomb recalled that the victim of the McSting, Michael Hoover, told him that he anticipation Amy Murray “kind of admired me,” afore acquirements she was allotment of an FBI operation.

More than 50 defendants were bedevilled of mail artifice and conspiracy. Jacobson’s “super-recruiters,” Schwartz, Hart, Couturier, and Glomb were bedevilled to a year and one day in prison, and handed huge fines. Baker recalled that one of the FBI’s top agents, accepted as the “human lie-detector,” interrogated him, and added that if the FBI had focused on surveilling terrorists not McDonald’s winners, 9/11 ability never acquire happened. Baker, who was excommunicated from the Mormon church, his wife Linda, her sister Brenda Phenis, and the dozens of added “winners” accustomed alone acquittal and are still advantageous aback their award-winning money at $50 a month. Four winners, including Baker’s advance son, Chandler, had their aesthetics chaotic by an appeals court, who agreed they were bamboozled by recruiters.

Richard Couturier, who was sleeping in his car at the time of the trail, told the cloister that a man he believed was in the Mafia warned him not to acknowledgment Don Hart’s name to investigators. He said he feared accepting “whacked.” Then, aloof afore the adjudicator arise her sentence, Robin Colombo bent a glimpse of her lawyer’s paperwork, and saw she was activity aback to prison. She screamed and fabricated a atrocious birr for the exit, and accomplished an alien aisle afore marshals baffled her. She was bedevilled to 18 months. Abaft bars, she apparent the Bible and wrote her activity story, From a Mafia Widow to Adolescent of God. She was afterwards reunited with her son, Frankie, who did not accompany the mob.

Jacobson took the angle dressed in a dejected golf shirt, attractive annoyed and gray. One advocate declared him as “a gigantic adept criminal,” afore he accepted to burglary up to 60 bold pieces over a dozen years, accretion over $24 amateur in prizes. “All I can acquaint you is I fabricated the better aberration of my life,” he said quietly, afore accordant to pay $12.5 amateur in restitution. The adjudicator beatific him to bastille for 37 months. He did not canyon go. But afore abrogation the cloister he befuddled easily with the man who brought him to justice. Perhaps Jacobson saw in Richard Dent the man he could acquire been, a steely-minded detective. Dent, who beneath to be interviewed for this commodity because he does not allege to the media, agilely alternate to his assignment on white collar crime, and is now retired.

McDonald’s sued Simon Marketing, who counter-sued. A accumulation of Burger King restaurants approved to get a chic act accusation together, so did a accumulation of black McDonald’s barter in Canada. The Monopoly bold had approved the evils of block abundance at the amount of others, but the adventure additionally accepted that aberrant things arise aback bodies cabal to bluff fate. Gennaro Colombo won a car application a baseborn award-winning admission and died in a car wreck. And aback adult luck regained ascendancy of the McDonald’s competitions, she handed acceptable tickets to a man cutting a abounding Pizza Hut uniform; a Taco Alarm owner; and a above abandoned man who was afterwards answerable with assault up his fiancée–a PR nightmare.

An analysis of bi-weekly athenaeum from Jacobson’s administration angry up some other, absorbing “wins.” In 1986 a cop in Florida disturbing with contributed bills told reporters how he begin a acceptable McDonald’s bold allotment in his band car. A year later, a ancestors active aloof 43 afar from Jacobson’s home won $250,000. Afresh there’s the “imposter” M&M candy, like the one in Robin Colombo’s freezer. In 1997, a bi-weekly appear that a academy apprentice in Florida won the $1 amateur prize, somehow award the gray-colored M&M afore Mars alike arise the contest. The boy’s father, a Baptist, said that if his son had spent his money on a action ticket, he would acquire been sinning. “The Lord doesn’t accept of gambling,” he said. “But a bonbon challenge is commodity different.” The champ and his ancestors did not acknowledgment enquiries beatific to their home in the Carolinas, not far from the aureate triangle of Jacobson’s affected winners.

Not continued ago, I batten to Glomb, one of Jacobson’s “super recruiters.” He was abstract about his conviction. “I’m not one of those bodies who are mad at [the FBI],” he said. “It was a game, and I lost.” Glomb says he still speaks with Jacobson, who is 76 and in poor health, but active a quiet activity in Georgia. “I abhorrence to say it but I’d apparently do it afresh for the aforementioned reason,” Glomb said, rakishly. “Every time I allocution to Jacobson, I consistently aggravate him, I say, ‘You got any tickets?’”

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Read added at The Daily Beast.

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