Scott Howe from Drive Performance Media over MediaPost Behavioral Insider estimates the amount of "free money" in the United States. The SEC cannot locate approximately 3 mln lost shareholders, representing $10 bln in unclaimed stocks. 87,500 tax refunds were returned to the IRS in 2004, totaling $73 mln. In the state of Texas alone, $72 mln of lottery winnings went unclaimed in 2003. An estimated $600 mln of un-redeemed store credits and gift certificates expired last year.