It's a universally appealing fantasy — you win the lottery and get to quit your job as a beleaguered, put-upon radio producer. Or whatever. But that fantasy rarely works out so well in real life. Lottery winners have a really hard time dealing with the sudden change — and often, the sudden windfall wrecks their life. Ed Ugel had the sad job of pouncing on these folks once things really got tough — he worked in the lump sum industry. His stories are really amazing — and he's got the goods on a system that he says allows nobody to win.