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This is an extremely difficult question to answer and it may be one that should be discussed with your own religious leader rather than being decided base on an internet article. We can start by saying that Islam recognizes that nearly all adult human beings strive to improve their financial positions, and that life involves a large element of uncertainty. In life we are confronted with many choices, the outcome of which is unclear, and we strive to use intelligence and skill in choosing the available option that will produce the superior outcome. However, we then must go on to say that gambling is strictly forbidden by Islamic law, even as a form of recreation or entertainment when undertaken with small monies which the gambler might be said to be able to afford to lose. In measuring these two competing elements, it can be said that it is the method of speculation that makes the difference. 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