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phil is a gambler, youre wrong about that.
youre also wrong about his reasons for not taking daniels offer. i believe that phil knows daniel is the favorite. he also doesnt play this high for many reasons. i really doubt that phil is worth 5 mill. lets be realistic here.
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Based on this page, I'd be shocked if it wasn't at least 5M
http://pokerdb.thehendonmob.com/play...?a=r&n=117
That is just his tourney cashes and if my quick and dirty addition is correct it is just under 5M.