GAMBLING can cause problems for the least likely people – or so it seems, with Washington Monthly’s report that “Book of Virtues” author William Bennett lost $8 million playing slot machines.

“Virtually anyone is susceptible to a gambling problem,” says Marlene Warner, program director of the Massachusetts Council on Compulsive Gambling.

Only a psychiatrist can diagnose gambling addiction, but there are several warning signs, Warner says.

Watch out if you:

* Constantly think about gambling.

* Can’t stop gambling once you start.

* Borrow money to gamble or pay off gambling debts.

* Bet more and more money over time to get the same rush.

* Lie about how much time or money you spend gambling.

* Are late for appointments because of gambling.

* Vacation only in places where you can gamble.

* Believe that the only way out of financial problems is to continue gambling.

For help, call the Gamblers Anonymous New York City hot line, (877) 664-2469.