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I have not placed a wager online in close to a year and am two seconds away from closing my accounts for good. However, I live in an area that provides simulcast, live racing etc etc..

I just don't care for the online wagering experience and it boils down to this -

Nothing can replace the feel of cash being transferred to your hand on spot.

I have found that when wagering online it is too easy to pull the trigger by pressing keystrokes versus pulling out my wallet.