I...used a walkthrough.
There is no shame in that my friend. In all honesty, I think anyone who says they figured that out in 600 seconds without a faq is a freakin' LIAR!
On the subject of faqs and mu continent (because I have a terrible fear of checking guides) does anyone have any advice on which persona are worth spending the time to acquire/unlock via the gambling prizes? I have gambled my way on blackjack up to 20,000 coins and DO NOT have the patience to do so much more so I want the most "persona bang" for my coinage so to speak.