When it comes to tracking down missing money, following one's best instincts is normally good policy. It certainly was that in the case of Denise Owens. On February 19, Owens, a former public school teacher in coastal Worcester County, Md., and former treasurer of the Worcester County Teachers Association, was found guilty in a Maryland state court of embezzling more than $430,000 from the union. It was a sum nearly four times that originally reported. The defendant, who until recently had gone by her former married name, Denise Tull, had an affliction all too common to union officials who steal: problem gambling. Owens was arrested by state police last August following an investigation. The details reveal not just a corrupt official, but also a union leadership less than fully accountable to its members.