Buddyboy, my point is if a player gives Carib or identity thief the last 4 digits there is no need to add that into the equation (it is known).So now four of 9 numbers are known. If the book or identity thief can assume the player is playing from the state he was born, the first 3 digits are known. Therefore the middle two #'s are all that would be needed 00 thru 99.