For Yousif Abdalla Banihammad, a retired government employee based in Khorfakkan, May 9, 2010, was a day of extreme disbelief and sheer joy as he was woken up by a phone call from Dubai Bank, informing him that he had won a million dirhams in the Kunooz monthly cash prize draw. Having invested in the Kunooz account only two weeks earlier, Yousef was least expectant of such a windfall. “My ...