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Learn To Win Poker. Setting realistic and achievable goals, poker theory. Analysis of the game using special software, individual or group training with a trainer (Cash; MTT; SnG), tilt tolerance. It brings real money poker action to states that have yet to regulate. While this is a workaround, it is perfectly legal and is becoming popular. Since this poker room can’t take real money deposits for gambling, it gives you free Sweeps Coins alongside the purchase of play money coins. You can use Sweeps Coins.

How Michigan online poker works

Online poker is live, and you can play for real money legally within the state. But it’s important to understand how things work. If you’ve never dealt with online poker before, you could understandably be brimming with questions about the rules and procedures you need to follow.

Who can play?

First of all, Michigan requires anyone who plays online poker in the state to be 21 or older. This requirement should come as no surprise.

When you play online poker in the Great Lakes State, however, you will not be able to play with anyone who is not physically inside state lines. As is the case with most other states, the Michigan online poker scene is confined to Michigan.

The good news is that it is not necessary to be a resident of Michigan to play. If you are a visitor, you have the same opportunity to experience online poker, so long as you are of legal age.

Now, you may have heard that some states do have interstate poker options. That’s true — New Jersey, Nevada, and Delaware are all signatories of the Multi-State Internet Gaming Agreement, or MSIGA, which allows sites to combine player pools across state lines. In practice, however, the only beneficiary of the agreement has been WSOP.com, which offers play in both New Jersey and Nevada.

For the time being, Michigan is not a part of the MSIGA. This means you will have to be inside Michigan to play, and you will only be playing other Michiganders or visitors to the state.

How does an online poker site know I’m in Michigan?

All Michigan online poker sites, casinos, and sportsbooks must verify the physical location of their players at all times. They accomplish this by using geolocation software.

This software uses your mobile device’s onboard GPS to pinpoint your location before you are allowed on-site. If you use a laptop or desktop computer, you will have to verify your location by downloading this software separately or at the behest of the site.

The sites are not inclined to waver on this requirement, either. They face heavy fines and sanctions, including the loss of their licenses to operate, if they are not vigilant about enforcing the in-state requirement.

The bottom line is that you will have to verify your location as within Michigan before you’ll be able to make your first bet, raise, call, or fold.

How to get download the app or poker client

The first thing to do is to use one of the links above to access the site of your choice. You will need to download the app to your mobile device or the poker client to your desktop computer.

Using our links will often put you in line for welcome bonuses at each site. However, make sure that you note any poker bonus codes we have listed, as they can be worth extra cash and benefits in your account.

Apple device users should have no difficulty downloading and installing the app. However, Android users will need to instruct their devices to accept downloads from unknown sources in the device’s security settings. Then, the link should take you to a page with a prompt for the site’s .apk file.

Once you’ve installed the app or client, look for a sign-up button at the top of the screen. It’s usually in the right corner with a label like “sign up” or “join now.” Pressing the button will take you to the site’s form for new accounts.

As with online casinos in Michigan, be ready to fill out your personal information in order to create your account. You will need the following:

  • Your name
  • Phone number
  • Email address
  • Date of birth
  • Social Security number

These are all common requirements at online gambling sites in Michigan. You will also need to choose an appropriate screen name, password, and (potentially) security challenge questions.

If you happened to copy down a bonus code, look for the box to enter it on this screen, too. It is usually the only optional box on the page. Make sure that you enter the code exactly as it appears, with any capital letters and no typos.

After that, hit the button at the bottom to submit, and you should be ready to go.

Michigan poker sites and partnerships

Money

PokerStars + Little Traverse Bay Bands of Odawa Indians

Global online poker giant The Stars Group secured a partnership with the Little Traverse Bay Bands of Odawa Indians Gaming Authority in early January 2020.

The deal gives The Stars Group first-skin market access for all gambling verticals in Michigan, including poker.

The Stars Group owns and operates PokerStars MI, which operates in NJ and PA. The Little Traverse Bay Bands of Odawa Indians operates three Michigan tribal casinos, with the largest being the Odawa Casino, near Petoskey.

BetMGM Poker + MGM Grand Detroit

For a long time, it was understood that MGM Resorts International and partypoker’s parent company GVC Holdings would join the online poker Michigan market. The two companies established a 50/50 joint venture sports betting and online gaming platform for the US in July 2018.

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However, BetMGM Poker will be the brand available in Michigan in 2021.

The launch of partypoker Michigan through MGM Grand is no longer a go, but there are other ways for partypoker to enter the Michigan online gambling market.

Will I be able to play online poker with players in NJ and PA?

Michigan’s governor recently signed the interstate online poker bill into law, but the law doesn’t automatically set up a pact between other states. That is now up to the MGCB. It is unclear whether such a deal will be made in 2021.

One option is for Michigan to join the Multi-State Internet Gaming Association. The MSIGA allows New Jersey, Nevada, and Delaware to share player pools.

Still, multi-state poker could be on its way to Michigan. It’s likely a must-have for the online poker market in the Great Lakes State to survive long-term. Michigan is slightly larger than New Jersey, where online poker is barely surviving despite pooling players with Nevada and Delaware.

Adding states, including Pennsylvania and Michigan, to the MSIGA over the next few years would certainly be a boost to the US online poker market.

Are Michigan online poker sites safe?

Yes. It is safe and legal to play on Michigan’s online poker sites. Any of the sites that you see mentioned above are fully licensed and regulated by the Michigan Gaming Control Board. Rest assured that this page will never advertise poker sites that are anything less than legal.

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If you are ever unsure about whether you’re playing on a registered site, you can always scroll down to the bottom of the site’s homepage. There will always be information stating that it is a regulated site by the MGCB. In some cases, the site will publish its license number.

You can also verify that an online poker site is legal in Michigan by going to the MGCB site itself. You can either find mention of the site in question or contact one of the board’s offices.

If you come across a site that we don’t mention, it is most likely an offshore poker site. These sites are not under the regulations and laws of the state of Michigan or the United States. Invariably, these sites do not work with the MGCB, nor do they operate with a Michigan land-based partner or have offices in the US.

Playing on one of these sites puts you and your financial security at a much higher risk. International sites often exist in the gray areas of the law and in countries with far less stringent standards for business.

You also cannot count on these sites to report to a regulatory body that is effective. In many cases, the regulator has no actual authority to take action on the site if there’s an issue on site, including payouts. Worse, it’s even possible that it is part of the same organization.

The bottom line is that there’s no reason to take any kind of chances now that legal online poker is legitimately underway in Michigan. Stick to the legal and safe Michigan sites.

How to move money on and off legal poker sites

In order to play for real money on a Michigan site, you’re going to have to invest your own real money into it. Even more obviously, you’re going to want to be able to withdraw any winnings if your big hand comes in. Thankfully, every Michigan poker site comes with multiple ways to deposit and cash out quickly.

Since online poker is in the early stages in Michigan, we only have confirmations about a few types of transactions you can make. If you want to make a deposit at a Michigan poker site, these options are available for certain:

  • Credit or debit cardVisa and Mastercard are acceptable options. However, make sure to check with your issuing bank before you make this type of request. Some of them do not allow deposits to online poker sites, and, even if they do, they may charge hefty cash advance fees.
  • Electronic checksVIP Preferred is the option, although ACH is likely to come soon. These function exactly like paper checks, except without the paper. Most Michigan poker sites will accept echecks.
  • Electronic walletsSkrill and PayPal are accepted by Michigan online poker rooms.
  • Online banking — If you use online bill pay for other transactions, you may be able to use it to send money directly from your bank account to the poker site, too.
  • Prepaid cardsPlay+ and Paysafecard are the most common options for a prepaid card, which is essentially a gift card that you give yourself.

Other methods that we expect to be available soon include wire transfers from your bank and cash options like PayNearMe. Finally, the land-based partner for the poker site is likely to begin accepting deposits in person at its cage at some point in the future.

Online poker bonuses and rewards

Like most MI online gambling outlets, the best poker sites have to keep their customers happy. So every poker brand will have bonuses and rewards that you can use to pad your account balance.

Most online poker site bonuses come in two formats — playing money and tournament tickets. Although there are numerous ins and outs to the different types of bonuses you’ll find, the end result of each one will usually be one or both of those types of rewards.

For the most part, here are the types of bonuses you will encounter:

  1. No deposit bonus: These bonuses are essentially free money that shows up in your account. You will most often see no deposit poker bonuses when you sign up for an account — they are otherwise rare. Although they may be withdrawable as cash, no deposit bonuses often come in the form of site credits and will require you to play through the bonus a certain number of times.
  2. Deposit bonus: With this type of bonus, the poker site will match a portion of your deposit and contribute additional funds to your account on top of the deposit amount. The percentage of the match can be any amount, even 100%. However, there will also be a limit to the maximum amount you can have matched from the bonus. In many cases, the site will withhold the full amount of the bonus and drip it to you as you play, so be aware that you may not see an immediate benefit.
  3. Loyalty or rewards programs: In many cases, you are entered as a member in the program automatically from the moment that you register. If you never pay it any mind, that’s all right. However, these programs will both classify you and reward you based upon how much you wager and how often you play. As you hit the tables, you will earn points that you can redeem for cash or prizes. The exact amounts of cash or prizes vary, but common options include free money bonuses, tournament tickets and branded merchandise from the site’s store.

The rarest reward you can receive is unrestricted cash. It is unusual, however, for sites to hand out withdrawable funds for a bonus.

In most cases, you will either receive site credits or tournament tickets. Site credits function like cash, but you cannot withdraw them until you’ve “washed” them through the system. Tournament tickets, meanwhile, require you to use them for tournament buy-ins. They are not transferable or convertible into cash.

Tournaments and cash games at real money poker sites

You have several types of online games to check out. Some of these are present in every poker room. Others are exclusive to certain online poker sites.

  • Cash games: Anyone can join or leave at any time, and play is continuous. Blind levels do not change, and buy-ins to the game have a minimum amount and (usually) a maximum amount.
  • Tournaments: Each player buys in for the same amount and receives an identical amount of tournament chips to play. Play begins at a designated time and proceeds until one player has all the chips. Blind levels increase at regular intervals, and roughly 10% of the field receives some sort of payout from the prize pool.
  • Sit and go tournaments (SNGs): A limited tournament where the event begins when a designated number of players buy into the pool. Play proceeds like a standard tournament, but the field is limited to the number of players present at the start.
  • Spin and go/jackpot SNGs: An extremely limited type of sit and go with only three players. Blind levels are set at hyper-turbo levels, meaning that they escalate quite quickly and force frequent all-ins from players. Players compete for a randomly selected prize pool that can be anywhere from 2x the buy-in amount to 1,000x the buy-in. Each tournament is winner-take-all.

In terms of the buy-in amounts that you’ll need for these tournaments, there is no one answer. Poker sites in Michigan have a range of stakes available most of the time. You can play for as little as $1 or many thousands. Most tournament options will top out at $500 to play, but some special events can have much higher price tags.

Types of poker games in Michigan

Along with all the formats of poker available in Michigan, you also have several games from which to choose. Some of them are widely known, but others are a bit more esoteric. The most prevalent game is No Limit Texas Hold’em. This game became the dominant form of poker about two decades ago and shows no sign of decline.

You can also play the limit version of Hold’em, if you like. While this format is not as popular as it used to be, there will still be options if you don’t want to deal with bet-sizing.

Other games that you might find on Michigan online poker sites are listed below. Most of these games are available in no-limit, pot-limit, or limit structures.

Poker
  1. Omaha* A four-card community card game that features bigger pots and more volatility than hold’em. Players must use exactly two cards from their hands and three from the board, but exactly which two they use can change from street to street.
  2. Five Card Omaha* This game is identical to typical Omaha, but with five cards dealt to each player. Thus, the potential for big hands, big swings and big pots is even higher. It is sometimes called “Big Mitt.”
  3. Courchevel Poker* Courchevel is identical to Five Card Omaha, except the first card of the community board is dealt face-up prior to the pre-flop betting round. In other words, you get a sneak peek at the board along with your five cards.
  4. Seven card stud* — A venerable poker game that used to be the dominant form, this game has all players receiving up to seven cards of their own and making the best five-card hand that they can. The first round of dealing puts two cards face-down and one up. The next three cards are also dealt face-up, available for anyone to see, and a round of betting occurs with each card dealt. The final card is then dealt face-down, and a last betting round takes the hand into showdown.
  5. Razz — A stud game in which players attempt to make the lowest hand they can. A hand with ace through five is the best possible hand (the “wheel”), and flushes and straights are irrelevant for hand rankings. However, pairs and three of a kind are counted negatively against the player. This game is also known as California Lowball, and may sometimes be referred to as simply “lowball.”
  6. Five card draw — This is likely the most familiar poker game to casual players. All players receive five cards and make the best hand that they can. There are two rounds of betting, and, between rounds, players can discard as many of their original cards as they like and draw new ones. This game is most often encountered in video poker now, but is still available in limited selections through Michigan online poker rooms.
  7. Badugi — Badugi is an Asian variant that combines elements of Razz and five card draw, but also has its own unique spin. Each player receives four cards and is attempting to make the lowest possible hand. However, unlike Razz, cards of the same suit count against the player, so the object is to make the lowest hand and have four cards of different suits. A qualifying four-card hand is called a Badugi. Any hands with suited cards ignore all but the lowest card of the suit but also are of lower ranking than Badugis. So, the winner of each game is first determined by how many of a player’s cards play, then by the rank of the highest-tiered hands.
  8. HORSE — A rotation game in which the game changes every time the button goes around the table once. The name of the game is an acronym for the games that are played – Hold’em, Omaha Hi-Lo, Razz, Stud, Eight or Better (seven card stud hi-lo)
  9. 8-Game Mix — This game is identical in structure to HORSE, but with eight games. The eight games are usually limit 2-7 triple draw, limit hold’em, limit Omaha Hi-Lo, Razz, limit seven card stud, Limit seven card stud hi-lo (Eight or Better), No Limit Hold’em and Pot Limit Omaha.

*Available in both high only and hi-lo variants. Low hands must have no cards above eight to qualify — thus, these variants may also be known as Eight or Better. Obviously, some of these games are off the beaten path. However, they can be a fun way to cleanse one’s palate, especially if you’ve been on a hold’em-only diet. So, if you’re feeling frisky, give one of these variants a try.

Poker and cardrooms in Michigan

Michiganders are not suffering from a shortage of live poker options nearby. Many of the state’s casinos offer their own poker rooms. In addition, Michigan also allows charitable organizations to offer poker games as standalone facilities. Here are all of the opportunities you have to play poker in Michigan in live settings.

Bay Mills Resort & Casino

Bay Mills Resort & Casino, in Brimley, features a four-table poker room that is open 6 p.m. to 2 a.m. Tuesdays, Fridays and Saturdays.

There are regular cash games and low-buy-in tournaments. Players must be at least 18 years or older.

FireKeepers Casino Hotel

The newly renovated 26-table poker room at FireKeepers Casino Hotel, in Battle Creek, is the premier poker room in the state.

The room spreads Texas Hold’em, Omaha and stud cash games at a variety of low to mid-stakes. Plus, there are low to mid-stakes buy-in tournaments every day, including a regular stop on the popular Mid-States Poker Tour.

Promotions include a progressive bad beat jackpot.

Greektown Casino Hotel

Greektown Casino Hotel, in Detroit, features a 12-table poker room offering Texas Hold ’em and Omaha games. There are regular tournaments and high-hands promotions.

Gun Lake Casino

Gun Lake Casino in Wayland, features a 14-table poker room spreading Texas Hold’em and Omaha games.

There are low-stakes tournaments happening five days a week, and promotions include a bad beat jackpot.

Kewadin Casino

Kewadin Casino, Hotel and Convention Center, in Sault Ste. Marie, features a four-table poker room open Wednesdays through Sundays.

There are low-stakes tournaments on Wednesdays and cash games every day.

MGM Grand Detroit

The poker room at MGM Grand Detroit features 17 tables with Texas Hold’em and Omaha action.

There are bounty tournaments three days a week and promotions include splash pots, bad beat jackpots, and hot-seat drawings.

MotorCity Casino Hotel

The MotorCity Casino Hotel, in Detroit, features a 17-table poker club spreading Texas Hold’em and Omaha games.

There’s a regular tournament calendar, and promotions include a bad beat jackpot, high-hands and a gas card giveaway.

Soaring Eagle Casino & Resort

Soaring Eagle Casino & Resort, in Mount Pleasant, features a 14-table poker room open 24/7.

There’s a six-day per week tournament schedule and promotions include a bad beat jackpot, early bird rake, lucky ticket draws and high-hands.

The room spreads Texas Hold’em, Pineapple, Crazy Pineapple, Omaha, seven-card stud and Razz. Multi-game formats include round by rounds, dealer’s choice, HORSE, SHOE and HOP. Players may request any game type with any limit.

Like its nearest neighbors Georgia and North Carolina, South Carolina has adopted a very conservative stance towards real money gambling expansion. In fact, the Palmetto State is so traditional that just the mention of state regulated real cash Texas Hold’em poker and other Internet gambling games would probably be enough to set its officials into a tizzy.

No, the prospects of legit iGaming and real money Internet poker ever being regulated under SC law are pretty dim. Now, that doesn’t mean Internet gambling and betting games like Texas Hold’em poker online will never reach the citizens of Columbia, Charleston and Myrtle Beach. It’s just that several factors will have to line up perfectly before any progress is made with regard to lawful online gambling on real money poker websites.

As of today, it is our opinion that South Carolina is currently one of the five U.S states least likely to regulate online poker and other legal Internet betting games in the foreseeable future.

Finding a real money US poker site can be a challenge if you’re in The Palmetto State. Lucky for you, we’ve found the best poker websites for South Carolina gamblers.

The South Carolina Gambling Poll of 2013

Quick Jump

  • 5 The Facts
In late 2013, a rare sign of life in South Carolina’s otherwise stagnant gambling culture presented itself. A poll was sent out to the SC State’s registered voters asking for their opinion on a variety of topics, including casino gambling, video poker and the lottery [1]. Focusing on whether citizens think it’s fair for state officials to ban private sector gambling, yet still run a statewide lottery, the poll’s presence is a firm indicator that at least some of South Carolina’s residents favor the idea of legalized gambling and games such as Texas Hold’em poker.

Unfortunately, Republican Governor Nikki Haley is morally opposed to the idea. So much so, that her personal objections supersede her willingness to create 10,000 new jobs via the construction of a brick and mortar casino. That’s a shame, especially considering that since the end of 2013, South Carolina’s unemployment rate has been higher than the national average [2].

Can Players from South Carolina Play Online Poker?

Yes! Despite the state’s vehement stance against regulated gambling, SC residents should have no trouble creating an account and depositing funds onto any of the US poker rooms on our homepage in order to enjoy some exciting Internet poker gambling for real cash. However, players should be warned that South Carolina’s leniency towards online poker betting may change at some point in the future. Our guidelines will be updated to reflect any noteworthy changes.

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Is Online Poker Legal in South Carolina?

There is no state legislature that specifically addresses the legality of online gambling and playing games like Texas Hold’em poker. So, while iGaming will probably never be regulated by the State, it may never be directly outlawed either. With that said, South Carolina’s gambling statues are among the strictest we’ve come across.

Currently, due to the state’s outdated gambling statues, the legality of real money online poker and betting on Internet websites resides in a murky gray area, and can be interpreted a number of different ways. Of course, it’s always best to seek professional advice regarding sensitive legal matters, and we encourage you to do so before playing any gambling games online.

In the meantime, we have taken the liberty to dissect SC’s existing gambling laws, as listed below:

  • South Carolina’s gambling statues do not provide a definition of gambling. However, they do explicitly state that any game involving cards of dice (such as Texas Hold’em poker or craps), or any gaming table, in so long as the game takes place at any tavern, inn, store for the retailing of spirituous liquors or in any house used as a place of gaming is unlawful, regardless of whether any wagering takes place. The penalties for participating in unlawful games and betting are imprisonment for a period of not over thirty days and a fine of not over one hundred dollars.
  • The owner of the tavern, inn, retail store, public place or house used as a place of gaming is subject to much harsher penalties, including twelve months in prison and a two thousand dollar fine. Section 16-19-40.
  • In keeping with its Bible belt traditions, South Carolina’s gambling laws ban any game from being played on the Sabbath (Sunday). The penalty for breaking the law is fifty dollars. Section 16-19-70.
  • Betting on elections is considered a misdemeanor. Upon being convicted, guilty parties shall be fined a sum not exceeding five hundred dollars and be imprisoned not exceeding one month. Section 16-19-90.
  • Merely keeping a gaming table for playing Texas Hold’em Poker or any other betting game at one’s home is worthy of a $200 – $500 fine.
  • All sums of money staked, betted or pending on the event of any game can be seized by state officials. Section 16-19-80
  • There is no mention of the words, Internet, computer or online anywhere in South Carolina’s gambling laws.

As clearly evident, SC, at least in theory, takes the issue of gambling very seriously. However, it also seems as though the statues haven’t been updated in decades, and are probably not a reflection of the SC State’s current stance.

To read more about South Carolina’s gambling laws [3], refer to the “References” section.

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The Facts

The History of Gambling in South Carolina

Accounts of gambling in the Palmetto State date back to the late 1700s. During the state’s early days, its inhabitants would actively gamble on the results of dog fights, wrestling, boxing, horse races and other competitive sports. Laws were enforced to prevent such activities in the 1800s, but it wasn’t until the mid 20th century that law enforcements agencies really began to crack down on gambling activities, particularly games like Texas Hold’em and other variants of poker.

In the 1970s and 1980s, establishments began installing video slot machines. Owners cleverly circumvented the law by paying winners out directly with real cash, as opposed to the machines. A 1991 Supreme Court ruling deemed that businesses that conducted gambling affairs in this manner did not break the law.

However, by 2000 the Supreme Court found all video gambling machines unconstitutional. Shortly thereafter, nearly 33,000 gambling machines such as video poker machines were removed or disabled.

Ironically, that same year, South Carolina voters elected to support a statewide lottery. The first lottery ticket was sold a year later, and the lottery remains a staple of South Carolina’s lawful betting and gambling culture to this day.

In 2011, law enforcement agencies seized over $2 million from two companies accused of transferring funds to online real cash poker players. The companies in question were also accused of money laundering, fraud and for violating the UIGEA.

Regulated Gambling Options in South Carolina

There aren’t many. South Carolina does not permit any form of poker games or gambling outside of the legal state lottery and charitable bingo. Indian and commercial casinos are prohibited, as is any form of pari-mutuel betting.

Playing poker in a home, even if no real money or rake is involved, is considered illegal. Horseracing, casino nights and slot machines are also banned.

The Future of Regulated Online Gambling in South Carolina

Considering that South Carolina’s powers have just begun to play with the idea of legalized gambling, it’s safe to assume that online wagering and Internet poker will not be regulated by the state any time soon, especially if anti-gambling proponent Nikki Haley remains in a position of power.

If you’re a poker player in South Carolina, you’ll have a solid choice of quality online poker rooms from which to choose.

Other South Carolina Gambling News

In early 2012, a proposal to open a resort casino in Hardeeville, SC, was brought before state legislators. Fearing that a casino would negatively impact tourism to Hilton Head, most state officials opposed the idea.

Leading the anti-casino charge was Governor Nikki Haley, who ever since her election in 2010 made it very clear that she will not support the construction of a casino. Without her approval, it’s very unlikely that the resort will be permitted until at least early 2015 [4].

In other news, the state’s only federally recognized Indian tribe, the Catawba, has been fighting to open a gambling facility within its York County reservation. However, to date, they’ve had little luck securing approval from government officials.

Fun Fact

In a surprise turn of events, South Carolinian officials approved a bill that would allow local governments to regulate casino cruise ships. The bill was passed in 2005, and since that time, thousands of South Carolina’s residents have set sail from one of the state’s many docks to play Las Vegas-style real money gambling games such as Blackjack, Roulette and Craps [5].

The Bottom Line

South Carolina’s repressive gambling laws are beginning to come under fire. In 2012, the state’s Supreme Court ruled that poker (Texas Hold’em, etc.) was a game of skill [6]. Furthermore, the video gaming machines that were banned in 2000 are making a comeback, this time as sweepstakes machines. Given enough pressure, state officials may be forced to lighten their anti-gambling position, maybe even enough to finally approve an Indian or commercial casino that would be able to offer games like legal real cash poker and other casino games.

While this still doesn’t mean iGaming and playing poker on Internet websites will be regulated by the state any time soon, it does provide citizens with a spark of hope – but only a spark. The reality is that until the Federal government steps in and passes a bill that regulates online poker betting throughout the United States, it’s unlikely that South Carolina will even address the matter.

References

[1] ↑SC Gambling Poll in the Field

[2] ↑Bureau of Labor Statistic – South Carolina

[3] ↑South Carolina Gambling Laws

[4] ↑Deck still stacked against Hardeeville casino project

[5] ↑South Carolina Bill Narrowly Approved

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[6] ↑South Carolina Supreme Court Opinion No. 27197 – Filed November 21, 2012

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