Owning Mahowny (2003) - full transcript

Dan Mahowny was a rising star at the Canadian Imperial Bank of Commerce. At twenty-four he was assistant manager of a major branch in the heart of Toronto's financial district. To his colleagues he was a workaholic. To his customers, he was astute, decisive and helpful. To his friends, he was a quiet, but humorous man who enjoyed watching sports on television. To his girlfriend, he was shy but engaging. None of them knew the other side of Dan Mahowny--the side that executed the largest single-handed bank fraud in Canadian history, grossing over $10 million in eighteen months to feed his gambling obsession.

You know, some folks believe

everyone has a public life,

a private life,
and a secret life.

What do you think about that?

The thing is, I guess...

that my secret life

is a bit less secret than
anyone else's right now.

Hey, Mahowny.

You got a promotion, eh?

Yep.

So when are you going



to junk that heap?

What? It runs.

Good morning.

Hey, wild man.

Hey.

You been hanging
out where the action is?

I'm always where the action is.

We're still hanging out
this weekend though, right?

You bet. We're moving
stuff into the apartment.

We should celebrate right after.

How about dinner at Vivante's?

Vivante's?

Are you sure we
can get out of there

for under 30 bucks?



No.

No?

You just got a raise.

Let's not get crazy.

All right?

Talk to you at lunch.

Good morning.

Good morning, Dan.

Miss Selkirk.

Congratulations.

Mr. Mahowny has just become

the branch's youngest
assistant manager.

I see.

He's been handling

Miss Selkirk's accounts
and trading interests

for some time.

Well,

perhaps we could
get started, then?

Are you telling me the
bank would be happy

to lend the money to my father,

but has reservations
about lending it to me?

Absolutely not.

We'd merely be happier

if Selkirk International
was involved, as security.

I thought security was...

The building itself,

with Miss Selkirk's
bond holdings

making up the balance.

In addition to which,

you have my client's
personal guarantee.

Even so, with such
a large line of credit...

Sir?

I'm sorry you had
to go through that,

Miss Selkirk.

What was on that sheet
you handed Briggs?

I thought he should know

how much we're
making off of you already.

Dan!

You actually make banking fun.

It's all about
procedure, Miss Selkirk.

You just have to know
your way around it.

Well, I am very grateful,

and one of these days,

I'm going to take you out
and get you a decent suit.

Bye-bye. Bye.

See you. Bye.

Are you sure he can handle

a loan of this size, at his age?

Oh, absolutely.

He has an impeccable record,

and excellent judgment.

What are you doing here?

Well, we got a little concerned
when you didn't show.

We thought maybe you
were sick or something.

You can't be here.

This is not the race track.

How much you got for us, Banker?

I told you, I need a day or two.

That was on Monday, Dan.

This is Friday.

Look, guys,

I'm having a bad run.

So what?

Just give me 5000 more...

5000 more?! Yes.

Well, if you can't
look after yourself,

I'm gonna have to do it for you.

What are you saying?

I'm saying that we're
gonna have to come up

with a payment plan,

where you give me a
certain amount of money,

on a certain day,

and until you're paid
up, you do not play.

You can't do that.

I can do it.

I'm doing it now.

I thought we had
a relationship here.

We have a relationship,

and that is why I'm
shutting you down.

For a few grand?

It's not a few grand,
Dan. It's $10,300.

So, what am I supposed to do?

Go to the racetrack and watch?

Do I make you do
business with me?

Okay. Okay.

Give me an hour.

Yeah, give me an hour.

I'll see you in the
garage in an hour.

Couple of bozos
looking for a loan,

and Martin...

I don't see anyone
without an appointment.

Understand?

Yeah.

What the fuck is this?

A bank draft.

This is made out to him.

You want it made out to you?

No, but, uh...

What do I do with this?

You take it to your branch.

My what? PERLIN:
That is not normal.

It's normal where I come from.

I don't like my name on it.

You will when you cash it.

What are tonight's lines?

No, no, no, no, no. I'm
not gonna let you back.

What?

You're not betting. I
won't let you do that.

I just paid off.

I know, I know,

but I can't do
business like this.

Okay, wait.

Take it to your branch.

Yeah, right.

Fucking guy...

Come on, Dan!

What a fucking guy.

Bank draft...

Teri, that bridge
loan we did a draft on

for Mr. Quinson?

Uh-huh?

We're going to do another
15 for a cash pickup.

Okay.

Thanks, Teri.

You want this draft cashed?

Uh, yeah, it's already signed.

Mr. Quinson's
waiting in my office.

Thank you. Mm-hm.

Hi.

Let's do it.

Let's do it.

Hi, folks.

We'll be landing in Philadelphia

very shortly,

and you know what
that means, don't you?

Here comes the weekend!

Just wait here a moment.

Hold on, folks.
Just for a moment.

Mr. N.

An honor, as always.

An honor and a pleasure.

$15,000.

Thank you.

You're welcome.

Here you go, shooter.

Here we go.

Yo, 11 for the winner.

Pay the line.

A line winner.

Here we go.

No, thank you.

Blackjack 17.

He's making some pretty big bets

on impulse.

No consistent pattern.

My kind of guy.

Let's take a closer look.

Is that a Rolex?

They just drive them to me.

That's it, sir.

What?

6:00 A.M.

We've got to end it.

You're kidding.

We'll be rolling again at 10:00.

Sorry.

I got kind of tied up, you know.

I guess you're
gonna be mad at me.

Well, where are you?

Just out messing around.

I, uh...

I'm going to make
it up to you, Blin.

You better.

I promise.

You have a good weekend, okay?

You know you work too hard.

Yeah.

That's all I need, Blin, really,

is one good weekend.

Eleven! Front line winner!

Front of the line takes it home.

Oh, hi!

Hi.

You still here?

That was a really great
run we had going there.

Oh, yeah.

Yeah.

Uh, say...

Um, stake me 200,

and I'll share my
winnings with you.

What do you say?

No, thank you.

Okay, uh, a hundred.

A hundred.

Oh...

I can't believe
this place is ours.

It's not.

It could be.

We've got an option to buy.

You didn't get

a lot of sleep this weekend, eh?

Mm.

I'll bet you were
out at the track.

Mm.

Did you tell Doug
about coming over?

Mm-hmm.

Oh, God, I hope
Maggie likes him.

Wouldn't it be great
if they started dating?

We could do things together.

The four of us.

Uh-huh.

Go out, have fun.

Hmm?

Did you win anything?

Sort of.

How much?

I came home with 500.

Wow.

Mm.

Cool.

Ending with a
bench-clearing brawl.

The replay clearly showed

the puck crossing the goal line.

In the standings,

Minnesota leads Winnipeg

by six points,

the Leafs by 15.

Yeah, I want 30
on North Carolina.

Thirty? Dan, you're scaring me.

Take it or leave it.

What,

are you trying to clean me out?

I really need this one, Frank.

You got 30 grand?

Are you going to
take my action or not?

I want to take it,
but I'm gonna need

a little something
from you every Monday.

I don't mean Tuesday, I
don't mean Wednesday.

I mean Monday.

Fine.

30 on North Carolina.

Well, she's a nice girl.

Belinda's known her as
long as I've known you.

Is she like Belinda?

Uh, no,

but hey, if you don't
like her, you know,

we'll just watch the game.

Why, you got money on it?

North Carolina.

One and a half point pick.

Right.

So, uh, how does
that work again?

I win if North Carolina wins

by two points or more.

Wow, Dan, you really go for it.

You know,

we should get
some serious play in

some time.

Like what?

Well, we've never been
down to Atlantic City.

All right.

We should do that some time.

Dribbles to the
top of the key...

It's clubs, Dan.

North Carolina
hanging on by one point.

This game is over, folks.

No, it's not.

Plankton has committed
a foul at the buzzer.

Oh, boy, what a game.

Will you look

at the North Carolina bench?

North Carolina have won,

Just give me one.

But by one, two,
or three points?

Well, that's anybody's guess.

Dan, what's your problem?

North Carolina have won anyways.

Give me one.

Just one.

Oh, shit.

This is not good.

Yes!

Give me one.

Just one.

Oh! Yeah!

I think a player like Fowler,

he needs the pressure.

He needs to know

that everything is on the line.

North Carolina has
won this game...

Damn.

By just one point,
and that's all it takes.

That's all it took tonight.

And unfortunately, a solid team,

too many injuries
so far this season

Who's for coffee?

Bill Gooden wants to see you.

Sounded kind of urgent.

Morning.

Morning.

Alex Reismer called,
about the Selkirk loan.

Oh, right.

He's coming down

to sign out the operating funds.

All right, I'll get the
paperwork ready.

What's the number?

They need 200,000, cash.

Hey, Dan, your cash is here.

The Selkirk account, 300,000.

Is it gonna be
collected today or not?

Uh...

They'll be here in an hour.

Pardon?

An hour?

Oh, I have to wait an hour?

What, you got a hot date?

Something like that.

Want me to sign for it?

Would you mind?

My pleasure.

Oh, great.

Thanks.

How are you?

Anything to declare?

No, sir.

$100,000.

Thank you very much.

Mm-hmm.

Excuse me, sir.

There's been a mistake
in the accommodations.

My apologies, Mr...

Doug.

Mr. Mahowny?

Victor Foss.

I just want you to know

that my casino is your casino.

I've set aside a
table at La Gioconde

so you can sample

our excellent European cuisine.

Thank you.

Perhaps you'd prefer
the Hyakida Steakhouse?

Barbecued ribs would be good,

with no sauce, and a Coke.

Mr. Mahowny would like
barbecued ribs, no sauce...

and a Coke.

Thank you.

Mr. Mahowny...

Your new room key.

Ha!

Hey, Dan. Danny.

Listen, man, forget the tables,

You are not gonna
want to keep playing

when you see our room.

It's courtesy of the casino.

Really?

Can you take these

and hold onto them for me?

Yeah.

Don't give them back,
no matter what I say.

You understand?

Jesus, that's got
to be at least...

40 grand.

40 grand?

It's a new system I'm working.

Hey, are you going
to take them or not?

Yeah.

Come back in an hour or two

and I'll have some more for you.

Okay?

Got you.

See you later.

Is that ribs, no sauce?

Mm-hmm.

He's still playing.

I don't want him interrupted.

Take them back...

Mm-hmm.

And tell them to make some more.

I want them on
permanent standby,

is that understood?

Doug, give me my money.

What?

Give me my money.

Dan, you told me not to.

I changed my mind.

You brought a
curse to that table.

You know that?

Give me my money
and stay away from me.

Come on, man. I
can't let you do this.

We're talking 40 grand.

40 grand of my money.

Look, you've got to calm down.

You've got to walk
out of here now

and think this through.

For the last time,
give me my money,

and stay away from me.

Fine.

Come on, Dan.

What?

What are you doing?

What?

You lost your way or something?

Yeah.

Yep. Yep. Yep.

Hey, hey, take it easy, man.

You want a rib?

We got plenty,

but no sauce.

I'm putting you on the floor.

You're kidding.

I wish I was.

Bernie, isn't it?

Um, yes, sir.

That guy you found
in the stairwell,

Mr. Ribs...

He likes you,

and you're gonna stick to him.

Uh, sir, I didn't do nothing.

Well, then don't
do nothing again.

Now get out of my office

before I change my mind.

Um, yes, sir, and
thank you very much, sir.

I won't let you down.
I won't let you down.

Thank you.

Hi.

Hey.

You okay?

Where's the washroom?

Uh...

there, there, and there.

Okay.

So where's Danny Boy?

He's busy.

What, he doesn't eat lunch?

Work always
comes first with Dan.

Right, except when
he's at the track,

you mean.

He doesn't go that often.

Belinda, you told me yourself.

You've got no idea how
hard he works, Maggie.

Working would be one thing...

Anyone who works
as hard as he does

has a right to do what he wants

with his disposable income.

You got that bank
draft for me, Teri?

Bank draft?

From the Selkirk loan account.

Selkirk, Selkirk...

there is so much
activity on that account,

I can't keep up.

I know the feeling.

Oh, yeah. Here we are.

I'm acting for a
group of investors

looking for short-term security.

Well, you've come
to the right place, Dan.

I was thinking of bearer bonds.

That's not a bad idea.

Bonds are secure,

and a great way of
moving money around fast.

Okay, so would you like me

to open up an account
for you right now?

Yeah, 200,000,

in the name of Roger Oskaner.

Okay.

Hey,

did you see those Blue
Jays on Monday night?

7-5.

Those guys are hot.

Oh, boy,

here comes trouble.

Big trouble.

Let me guess. Selkirk?

Nope, Oskaner.

Oh, Oskaner.

Yeah,

he wants to sell
bonds at market rate.

Mahowny.

Banker...

Yeah, where've you been?

I called four times already.

Four times, huh?

Yeah.

So you want to hear the lines?

Hold on.

Hey, Banker, you there?

What the fuck?

Uh...

I can't do this now.

You're not playing today?

Give me all the home
teams in the National,

and all the away
teams in the American.

You're kidding.

Every game for the $1,000 max.

You're the man.

Okay.

The Selkirk account

seems to be moving
at incredible speed.

Perhaps we should

find out what their schedule is,

and advise regional office.

Um...

you know,

a higher line of credit
would be a lot simpler.

Okay, good idea.

Keep her sweet, Dan.

Right.

You've opened a loan account

for Pembro Trading?

Finally, yes.

I thought they'd run into
partnership problems.

I guess things are rolling.

The documentation
was all in place.

You approved it yourself.

Okay.

And Jake Arnold.

Jake Arnold.

Same thing.

How long ago did
we authorize credit?

Two years.

And he's never borrowed
against it until now?

Nope, but he could have.

It's strange.

You know, I think he
set the whole thing up

just so he could
tell his friends

he had a million
dollar credit line.

Well, maybe business got bad.

Maybe he won't be handing
out jars of peanuts this Christmas.

He really does that?

Sure.

Even his desk is peanut-shaped.

You're kidding.

No.

What a guy.

What a nut.

Good work, Dan.

Thank you, Bill.

Dan, there's a problem.

Roger Oskaner.

What's the problem?

There's an interest
payment overdue.

No problem. He's
selling bonds today.

He just stopped
by to sign the order

and pick up his cash.

He did? I missed him
again? Yeah. Mm-hm.

Jeez.

I'm gonna have to
start bagging lunch,

see if I can lay
eyes on this guy.

He's a goddamn phantom.

Hm.

Oskaner the phantom.

Dan.

You picked one hell of a night.

The Pointer Sisters are in town.

Want to see the
show, just let me know.

Thank you.

Anything you need right now?

Well, uh...

maybe later I might
have some ribs.

Of course.

Bernie's right here
to take care of you.

Evening, Mr. M.

Ready when you are.

Ribs...

The man wants ribs.

Hello?

Hi, Dan.

Hi.

Uh, I think there's
been a mistake.

Dan, I am no mistake.

Now why don't you
slide right on over here

and keep me company?

Hello?

He told her

that he was only
interested in Lady Luck.

No sex, no booze, no drugs...

Whew.

Our little roller is a purist.

He's a goddamn thoroughbred.

All he cares about
is the next hand.

He's a beauty...

He's a beauty.

I love him.

I love him!

The Iceman.

I was thinking...

You know,

we could get away.

Go away for a
weekend or something,

just you and me.

Yeah?

Yeah.

Jump on a plane.

Go anywhere.

Are you serious?

Yes.

Because I'd really like that,

and there are some
really great deals going

this time of year.

Great.

I'll look into it, all right?

I promise.

Maybe somewhere hot?

Somewhere hot.

Okay.

Okay?

Okay.

Give me all the home
teams, every game.

Both Saturday and Sunday.

You want the CFL too?

All the underdogs.

Okay. Every game?

Yeah. I won't be
around this weekend,

so tell Frank I want
one horse in every race.

You want to bet every race.
You don't know who's running.

For the maximum.
You better talk to Frank.

I don't know if he'll cover you.

Sure he will.

Have a nice weekend,
Mrs. Quinson.

When are you gonna get married?

Ma, don't bother my friends.

I don't like it when
he make stupid bets.

Why not?

It's disrespectful
to my business,

and to me.

Yeah, but Frank,

it's easy money.

If I take his action,

I want him to play for real.

I mean, that way I feel better

about taking his money.

Yeah.

He's probably mad at me.

That's the way they
all get, you know?

They lose and it's
your fault, you know?

It's really fucked up.

Maybe we should get mad at them.

Yeah, maybe we should.

Maybe we should.

Maybe we should.

You know...

You know why he wants to win?

Why?

So he has the
money to keep losing.

Now how fucked up is that?

So you want to get heavy?

No, let's leave
it the way it is.

He enjoys it.

He enjoys seeing
me every Monday.

It's important to him.

So there's something
I want you to get...

You got enough to shut him down?

Yeah, maybe,

but Frank Perlin's nothing, Jim.

I want to tap into
his whole network.

You got authorization
for a tail yet?

Yeah.

So how much more
do you need from me?

You know how much

Bell charges for
this stuff here?

It's 50 bucks a line.

You got this whole
sweet operation

going on here,

and what do you give me?

"Nothing relevant."

"Nothing relevant."

Oh, look, "Nothing relevant."

I want names, Jim.

Names.

Hey, girls, how you doin'?

Hey. Hey, you. You.

Hey. Hey.

I'll be right back.

Hey, guys.

Hey.

Is there a problem here?

No problem. You taking a trip?

Now, look.

Our deal is I see you on Monday.

Yeah.

With 40.

But you said 20.

I know,

but now it's got to be 40.

Okay, 40.

I'll see you Monday.

Is that your girlfriend?

You leave her out of this.

She's pretty.

You kids take
care of yourselves.

Have a good time.

All right, we should
go to the gate.

Who were they?

Just some friends of
mine from the track.

I don't think you should be seen

with people like that, Dan.

I think you work in a bank.

I think they're gonna
damage your prospects.

Just forget about it.

It's not gonna
spoil our weekend.

Steve, I got a
name here for you,

an associate of
Perlin's. Dan Mahowny.

You want to check
that out for me?

Yeah, will do. All right.

Mm. Honeydip.

Honey glazed.

You like it?

Oh, I love it.

It's stunning,

but how much is
it going to cost?

A friend of mine
comes here a lot,

Yeah?

He swung me a deal.

Oh...

I want this to be
a special time.

Okay?

Can you believe that?

Yeah.

It's very pornographic.

Dan!

Honey?

Yeah?

I'm gonna go for a
walk, take a look around.

Oh, okay.

I got nothing against
Atlantic City, Dan.

Victor Foss runs a hell
of an organization for us,

but hey, Vegas is Vegas.

Vegas is where you come to play.

I guess so.

Anything you need right now?

I just want to be low-key.

No fuss.

No one following me around.

He's at our casino in Vegas.

In the region of 500,000...

cash.

Fuck.

Fuck Nevada.

Fucking headhunters.

So, what the hell did
you do to Mahowny?

I didn't do nothing.

Oh, you didn't do nothing?

How come he's in
Vegas and not here?

I don't know.

You're fired, you piece of shit.

Wha...?

Ten on four.

Come on, shooter.

Come on, baby.

You've been good so far.

I thought this guy was a chump?

So, what do you want to know?

Everything Vegas doesn't.

His mother's birthday,
how he likes his steak,

if he wears boxer
shorts or butt-huggers.

You got me?

Loud and clear.

Come back at dawn

and tell me who the
hell this Mahowny is.

I just heard...

that Mahowny is up

over a million.

What?

Yes.

He's beating Vegas?

Yes.

Mahowny is beating Vegas!

Okay.

Get your man in
Vegas onto the floor.

Tell him to shoot him.

Sir?

Chloroform him!

Break his legs!

Get out of there
before he loses it all.

Now!

Bring it home to Papa.

He's hot, he's hot.
He's burning up.

I've been looking
for you everywhere.

Do you know how long
I was waiting for you

in the room?

Just give me a
couple more minutes.

I'm on a roll here.

Ma'am, could you step
away from the table, please?

What?

I must insist that you
move away from the table.

The players can't be
disturbed right now.

Dan?

Just a few more
minutes, all right?

That's all.

But what about our weekend?

Just...

a few more minutes.

All right?

Roll the dice, please, sir.

Come on, Dan, stay hot now.

Come on, now.

Eight, front line winner.

Shooter coming
up, same direction.

Looking for a seven to roll up.

Seven! Front line winner.

Beautiful, beautiful. Beautiful!

In the unlikely event

of a supply of
oxygen being required,

masks will drop
automatically from above.

Remember to put
your mask on first

before helping anyone
requiring assistance,

including children.
Lifejackets are situated...

Everybody loses in Vegas.

What do you mean, no record?

I mean, like, nothing.

Not even a jaywalking ticket?

The only unusual thing
about him is how many.

How many what?

Well, if you move the
letters of his name around,

it spells "how many."

Mahowny, "how many."

You don't say.
I'll file a report.

He works in a bank.

Maybe Perlin's
got plans for him.

Laundering money and stuff?

You know anything

about the banking
business, Steve?

I guess not.

I got a brother-in-law who
used to work in that bank.

This was 10 years ago,

but you got to ask
permission to get married.

No way.

And you think we've
got a lot of regulations.

Yes, I do, as a matter of fact.

He makes $22,000
a year, Canadian.

So he's some trust fund punk?

Nope.

Where the hell does
he get all the money?

I don't know.

The usual?

Drugs?

No way.

You have to see this guy.

Well I've got a
little theory going.

It's kind of what you
might call a long shot,

but I think...

Yeah?

Excuse me, sir,

but I thought you
might like to know

that Mr. Mahowny has left Vegas.

What?

Already?

He's transferred
250,000 to our cage.

He's taken the
rest back with him

to Toronto.

He won?

Yes.

You could definitely

call this a win.

So...

He's gonna come back...

and he's loaded.

What is this man
doing in my office?

Who is this man?

Pay him

and get him out of here...

and find that kid I fired.

Bernie?

Yeah.

Tell him he's got his job back.

Dan?

I'm really sorry.

For what, exactly?

I...

I never meant to
leave you alone.

I...

I tried to find
you, but you'd left,

and I guess I just missed you.

I...

That's okay.

I understand.

You do?

You got to do
what you got to do.

I know you can't
help yourself, Dan.

You've got a gambling problem,

and we are gonna
deal with this together.

No, Blin, you don't understand.

I've been reading up,

and the first
thing you got to do

is admit it to yourself.

You got things wrong.

Just say it, Dan.

If you just say it...

I don't have a gambling problem.

Do you think I'm an idiot?

I have a...

financial problem.

You owe money?

Yes.

To the man at the airport?

Yes, and I know what
I'm doing, all right?

You've got to trust me.

Please.

I have $2000 in
my savings account.

If I cash in my retirement plan,

that's another 3000.

Will that help?

Will that make us
into a normal couple?

How much do you
owe, for chrissakes?

20,000?

Where did you get that number?

I made it up.

Look, Blin,

I...

I know I've not been
here for you lately,

but things are different now.

I...

had a great run last night,

and that guy at the airport?

I can pay him back in full.

And then what?

Things will be different.

Did we go to Vegas

so you could clear
a gambling debt?

Because you know why
I thought we went there?

I mean, when I saw
our room and everything,

I mean, what was I
supposed to think?

Why do people go to Vegas?

I thought we were
gonna get married.

I mean that's what
normal people do in Vegas.

It's not how I'd
have planned it,

but if you'd asked,

I'd have said yes.

I'm sorry.

I'm...

sorry.

You want me to leave?

How you doing, Banker?

So you have a
good time in Vegas?

Not bad.

Yeah? You don't look good.

The little lady
didn't let him sleep.

Something like that.

Thank you.

Is it still snowing out there?

Yeah.

What kind of snow?

I don't know, big snow?

Big?

I'm gonna take a hint from you.

I'm going to Vegas.

You're going to Vegas?

Yeah.

When?

When's my suede
jacket ready, Dave?

Tuesday, buddy.

We'll go Wednesday.

Will you place some bets for me?

Yeah.

I'll call you Tuesday.

Yeah.

All right.

Good morning, Dan.

Good morning.

Morning. Dan Mahowny.

I know these audits are a pain,

but we'll stay out of
the way as best we can.

I was in audits myself.

So you know the drill.

Yeah. How long do
you think it's gonna take?

Ten days, maybe eight.

So 10 days of this?

Maybe eight.

It's late this year,

isn't it?

The blizzard?

No, the audit.

Everyone's so jumpy.

It has to be done, Blin.

There's something missing here.

The Oskaner file.

I only have a statement
and one memo.

Uh, Dan tends to
handle that one himself.

Hmm.

No manager's approval.

No details of security.

This client doesn't even
seem to have an address.

Ah, the phantom.

Excuse me?

I can't help you.

You're gonna have to
ask Dan about Oskaner.

There's one audit I heard about,

out west.

The bank's only security system

was an alarm that
rang in the hotel

next door.

Did they test it?

Of course.

What happened?

The waiter showed
up with a tray of beer.

Uh, well...

About the Oskaner account?

What do you need to know?

There's no way I can pass this.

For what reason?

For a start,

he's way over his credit limit.

No authorization...

It was paid off.

It was?

In full.

He sold bonds today.

Oh, fine.

That's that one done.

I'm really trying to
motor here, you know?

We're two branches behind.

Whatever I can do to help.

No pressure, Dan.

You're looking for a strike.

Straight down the middle.

Not so bad.

Okay, folks.

Uh, I got to go.

Oh, no!

We were gonna treat
you both at Swiss Chalet.

Swiss Chalet?

Oh, I love Swiss Chalet.

I'm sorry.

It's okay.

All right.

Can I count on you, sir,

to make sure the little
lady gets home safe?

I think we can manage that.

You go off and do
what you have to do.

Thank you, sir.

See you at home.

Don't you even want
to know the scores?

Sir?

Check your pockets.

Wow.

Sir, step over here, please.

Arms up to the side.

Okay, go ahead.

We're landing in
Philadelphia very shortly.

We might have left
the snow in Toronto,

but you don't want to know

what the weather's like
down there right now.

Hey, man.

You looking for a ride?

No.

I can take care of
you. No, thank you.

Come on, man.

You'll wait all night for a cab?

I'm ready to roll, man.

Why aren't we on the highway?

I need to make a stop.

No stops.

It's kind of an
emergency, you know?

I don't care if it's
an emergency.

No stops.

Hey!

Open the door.

Come on, come on!

What are you doing, man?

What are you doing? Hey!

Hey!

Give me my car back, man.

Let me take care of your
travel, starting tonight.

There's too many people
around here know I carry cash.

I don't like it.

I don't like people
knowing my business.

I don't like it.

We can solve this
problem very easily.

All you have to do

is take the funds to your bank,

and they'll wire it
through to our bank.

Into an American account?

There'd be personal
identification

requirements, tax stuff.

No.

I'll look into alternatives.

Excuse me, Mr. Foss.

Oh, boy.

Lock up the money.

Hey. Where's he going?

Hey, you not playing
tonight, Mr. M.?

Sure, I'm gonna play, Bernie.

I just needed some air.

Yeah.

I've never been
out here before, so...

Well, you know,

that's on account
of the windows.

The glass is tinted

so it always looks dull outside.

You know, some dude told me

they pump in oxygen.

Keep you guys high.

That makes sense.

Yeah.

He's on the boardwalk.

It so happens

that Vegas maintains
an account in Canada.

Name of Sunshine
Clearing Corporation.

Sunshine Clearing Corporation?

It has a nice ring to it,

don't you think?

The deposit has
to be in my name?

Or an associate's.

Just let us know,
bring him down,

he signs the money
over to you at the cage.

All right, what if...

What if my associate's in Vegas?

Could he sign for it
at the cage in Vegas?

Yeah.

Of course, Dan.

No problem.

I'll be making a transfer.

Uh-huh.

To your Sunshine Clearing
Corporation account

this afternoon.

Okay.

It's for my own use.

Uh-huh.

But I need to release 40,000
to an associate in Vegas,

by the name of Frank Perlin.

Frank Perlin.

Okay, that'll be fine.

Mr. Perlin will have to sign

for the whole amount,

and we'll credit the rest to you

here in sunny Atlantic City.

Are there any other
details we should cover?

No, we'll take care of
everything, Mr. Mahowny.

Thank you for calling.

Thank you.

We have a problem
with the Selkirk Account.

What's...

What's the problem?

I don't know.

Briggs has called a meeting
with Dana and her father

at Selkirk International.

He wants you to be there.

Why are they doing this, Alex?

No one except Dan has
seemed even remotely interested

in this project.

We go slightly over our loan,

and they're calling
my goddamn father in.

It is highly irregular.

We're barely
half a million over.

She's, uh...

how far over, exactly?

Just under five million.

Five million?

Mm-hmm.

Already?

Incredible.

So you want to give her
a tighter line of credit?

Absolutely not.

The Inspection Department
wants to classify the loan

as risky?

No.

We are here, gentlemen,

to try and force her father

to guarantee the loan.

If he does,

I want her to borrow

every cent we can
lay our hands on.

It's a bit of a gamble, but...

Let's not talk numbers.

A few million won't mean much

to a man like Selkirk.

I'm afraid we now
consider the projections

to be rather...

optimistic.

In what way?

Mr. Briggs is
referring to the failure

of the original
membership plan...

Failure?

Which was based on tax benefits

which have now been withdrawn.

But our new marketing strategy

is becoming very successful,

as you know.

I appreciate the fact

that the bank has a
big stake in this project.

I'm surprised

it hasn't voiced its
concerns earlier,

but I am willing

to provide additional security

for Dana's project

if it'll get the damn
thing up and running.

Well done, Mahowny.

Get the paperwork ready

before he changes
his mind, will you?

Yeah?

Mahowny's coming
down with 1.4 million.

They just got the transfer,

only it's, uh...

it's made out to an associate
by the name of Perlin.

He's meant to sign the
money over in Vegas.

So?

Well, apparently,

there's no Perlin
in Vegas to sign.

What?!

They've been
holding a room for him,

but he hasn't shown.

Mahowny's going apeshit.

Who is this Perlin?

His business partner?

I don't know.

I don't know anything

about Mahowny,

except if we don't get
his money to him tonight,

then we may not get it tomorrow.

This is the guy from
Toronto, who plays flat-out,

and you're telling me
you don't know his story?

I don't want to know his story.

Are you saying

we could be facing a
serious judgment call here?

Only if we know what we don't.

Where is this Perlin?

Toronto.

So fly him down.

He can sign off here.

Mahowny's already
run that by him.

He says it's out of
the question tonight.

If the transfer's in his name,

Perlin's got to
sign off at the cage.

That's the bottom line?

That's the bottom line.

I'm sorry, gentlemen.

How about this?

What about we
just take the cage...

Not the actual cage,

but the personnel
and the paperwork...

And fly it to Toronto?

What are you trying to say?

Perlin signs off at the cage

at the airport in Toronto.

I told you. I'm not
flying anywhere

till my new suede
jacket's ready.

You don't have to fly anywhere.

You can collect
tonight at the airport.

But it's not Monday.

I know.

Meet me at the
Executive Terminal

at 6:00.

Executive terminal?

By the rental car place.

Okay?

At 6:00?

I'll think about it.

The call came from
500 Temperance Street.

Mm-hmm. Mahowny?

Yeah.

They're in deep, him and Perlin.

How deep, do you figure?

I don't know, but deep.

What about this
airport drop-off?

Have you heard

anything like that before?

No, but 10 bucks says
we're onto a drug deal.

No bet.

Wimp.

Hi.

Hi.

Hi.

I didn't know if you
were on the phone or not.

Come in.

Where'd you sleep last night?

In the car.

I didn't want to disturb you.

But I thought we
had an agreement.

I thought it was
going to be different.

I mean, that's what
you said, right?

That's what you said.

You think we got problems, Blin?

Take a look at
Mexico's foreign debt.

We do have a problem, Dan,

and you are not giving
yourself a chance.

Blin, please.

Or me!

All right, keep your voice down.

What would you do
if you were me, Dan?

Just tell me that.

You expect me to just sit back

and watch you

throw your career
down the drain?

Not to mention our relationship.

All right, we'll talk
about this tonight.

We both know I'm not
gonna see you tonight.

I got you this.

I mean,

I figured if you're
gonna stay out all night,

you might as well keep warm.

A winter coat.

I won't see you tonight?

This is great.

Will I?

Blin, listen...

No, I'll listen when you
have something to say, Dan.

Hey.

New car?

You like?

It's got a TV in the back.

It's got a TV?

Yeah, in the back.

What the fuck are
we doing out here?

I'm heading down
to Atlantic City.

So what do you
want, a kiss goodbye?

Give me the money.

It's in the terminal.

What, you got it in
one of those lockers?

Hey, you got a new coat.

Yeah, it's from my girlfriend.

Yeah, it's nice.

Why do you walk around

looking like a douche
bag all the time?

Some girls go for that, Frank.

Not where I come from.

Where are you going?

I forgot a bag.

It's bad to go through
customs with no bag.

Where you going?

It's all right.

How much for the bags?

They're free to customers.

Great. Can I have one?

You're not a customer, sir.

Okay.

How much for the bags?

Five bucks.

Five bucks.

That's nuts.

You give them away free.

Five bucks.

What are these two clowns up to,

you figure?

What are you trying
to do to me, Dan?

Getting you your 40 grand.

"I hereby release all funds

"under the name Frank Perlin

to be paid to Dan Mahowny."

Just sign it. Trust me.

There's no amount there?

You want me to sign it?

Yes, you sign it,

and then you get the 40 grand.

All done?

Uh, just a second.

Check out the dame.

She looks like Tina Turner.

Thank you. Good night, ladies.

Night.

Have a good trip.

I never gamble
myself, personally.

I just don't see
the attraction in it.

Well, winning, I guess,

but there isn't much of that,

is there?

If there was,

I'd be out of a job...

if you don't mind me saying.

You win and lose.

Every time you play,

there's plus and minus.

Always.

That a fact?

That's a fact.

Well, Toronto sure
looks like a nice place.

We saw Niagara
Falls on the way over.

It was just fantastic.

I've never been.

You've never been?

How come you've never been?

I guess I don't want
to use up all of Canada

too soon.

7956 Whiskey.

I want to know who
chartered that flight,

and where he's going.

Just wait here a moment, please.

Dan...

An honor, as always.

An honor and a pleasure.

Okay.

Detective Murdock,

New Jersey State
Police Department.

We want to see a
patron reference card

for a Frank Perlin.

Perlin?

We don't have one.

How about Dan Mahowny?

This means a deposit of 360,000,

and this is a
deposit of 620,000.

$620,000 cash?

That's correct.

And 1.4 million today?

By transfer.

Will you look at this?

The Iceman's
playing 70,000 a hand.

He's bust the table.

What?

Holy shit.

Ben, are you there?

Yeah. Go.

They got nothing on Perlin,

but Mahowny's in Atlantic City

betting tens of thousands
of dollars a hand.

He's known there.

He's lost millions there, Ben.

You said he's gambling?

Big time.

The guys said it's like
the Super Bowl in there.

Ben, are you still there?

Yeah. I'm still here.

So, what do you want to do?

What do I want to do?

I think I want to get a
couple of cars out here

and catch me a bank
thief, is what I want to do.

Okay, we're
looking for an eight.

Shake an eight, shooter.

Eight! Front line winner.

Any crap returns.

Okay, we're
looking for an eight.

Shake an eight, shooter.

Eleven!

Pay the line.

Mr. M...

Yeah?

I've got to say something.

What's that?

You've got to pick up right now

and just walk out.

I can't do that, Bernie.

Sure you can.

No, I can't do that.

Look, you did it.

You've got 'em by the balls.

I'm telling you, man.

Please, just pick up and walk.

Right now.

Bernie, I just got here.

Eight. Mark it.

Okay, shake an eight, shooter.

Same good shooter, coming out.

Eight!

Front line winner.

Pay the line.

Why is he stopping?

He never stops.

He's not playing.

Victor, I swear,

if this guy walks
with nine million...

You want to know
how we're doing?

Talk to me at 4:00 a.m.

Your dice, Mr. M.

Three, craps. Line away.

Any crap returns.

Okay, we're
looking for an eight.

Shake an eight, shooter.

Three, craps. Line away.

Ace, deuce.

Mr. M...

Mr. M.?

Boy, are they gonna
love you in Vegas.

Uh, Bernie, I've
never tipped you.

No, no,

Your money's no
good here, Mr. M.

You know that.

No, take it.

Thank you, sir,
but no, thank you.

You're not the casino, Bernie.

This is for you.

I appreciate it, but...

I mean, I can't, sir.

You know,

I'm real sorry you lost
all that money, Mr. M.

Thanks, Bernie.

Sure is a real nice
coat you got there.

Is it from the missus?

You take care of yourself, Dan.

You, too, Mr. Foss.

I know you didn't
get to eat, so...

ribs, no sauce
and a Coke, right?

Right.

Thank you.

Goodbye, Dan.

God bless.

See you soon.

Uh, Mr. M.?

Your bag.

Thank you, Bernie.

Bernie?

Yes, Mr. Foss?

This time you really are fired.

I want to find out
where he's going

before we move in on him.

Jesus Christ.

I thought I said
a couple of cars.

It's kind of been a slow night.

Who do you think
we're waiting for?

Butch Cassidy?

Hello?

Dan?

Dan, are you okay?

I'm fine.

Blin...

I was just thinking,

you want to go see
Niagara Falls some time?

I guess you've
been before, but...

All right, take him.

Put your hands
out of the window.

Get out of the car, please.

Is there a problem?

Turn around,

and put your hands on your head.

Put your hands behind you.

You're being charged

with suspicion
of theft over $200.

You've got a gambling
problem, right?

No. No, sir.

Come on.

You didn't get a buzz out of it?

I have a...

financial problem.

A shortfall.

10.2...

million dollars?

Approximately.

Who else was in on it, huh?

No one.

Come on.

You expect us to believe that?

I got a lot of luck.

A whole lot of luck.

At the bank,

but not at the tables?

Dan Mahowny?

Oh, no, it's quite impossible.

How do you know him?

From the track.

You do business with him?

Do I do business with him?

Um...

Did you ever sign bank drafts

presented to you by Mahowny?

What are you
asking about him for?

What about me?

I wonder if his diet had
anything to do with it.

Dana!

Well, I guess you've
got the perfect excuse

to change banks now.

Are you kidding?

I've finally got something
on those assholes.

In fact, let's go
down and put up bail.

Dana,

I don't think that's
such a good idea.

Mr. Mahowny? Mr. Mahowny?

Get away from the car.

There's nothing to see here.

You. Away from the car.

I'm sorry they
suspended you, Blin.

They shouldn't have done that.

How many others?

13.

13?

Including Bill Gooden?

No, not Bill.

Oh, good.

But he is taking
early retirement.

What have I done...

to all those people?

You want me to pull over?

It's all right.

You need to just relax.

You want to turn on the radio?

ANNOUNCER team swept
to victory again last night,

26-18 against the Eskimos.

In other action,

the Ti-Cats won a squeaker
against Ottawa, 23-22,

by a field goal with just
three seconds on the clock,

the Argonauts steamrolled
the Alouettes 46-7

in a game Montreal would
really like to have back.

Listen,

you can't go through
the rest of your life

not being able to
listen to sports scores.

You're right.

You know?

I really love you.

I love you too.

How would you rate

the thrill you got
from gambling,

on a scale of one to 100?

Um...

A hundred.

And what about the
biggest thrill you've ever had

outside of gambling?

Twenty.

Twenty?

How do you feel

about living the
rest of your life

with a max of 20?

Okay.

Twenty's okay.