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| On Sep12,2026lotto casino app: everything that matters in 2026
lotto casino app are a popular choice for those seeking immediate gratification. The instant nature of the game pairs well with the strategic elements of lotto casino app android.
See also:
- What is lotto casino app update and how does it work?
- Typical Bonus Terms for lotto casino app
- Common myths about lotto casino app update debunked
- A Closer Look at lotto casino app
- How to find the best lotto casino app android for you
- A guide to lotto casino app update for beginners
- What Are the Most Common lotto casino app real money Questions?
- How to Use Self-Exclusion Tools for Lottery and Scratchcards
What is lotto casino app update and how does it work?
Understanding Online Lottery Products
Online lottery products have transformed the way players in the UK engage with traditional lotteries, offering convenience and a broader selection of games. Unlike buying physical tickets from a local browse, online platforms permit you to participate in both domestic draws like the National Lottery and international lotteries from around the world. Gameplay is straightforward: you select your numbers or opt for a lucky douse, and the draw occurs at a scheduled time. The jackpots can be life-changing, often reaching millions of pounds, especially for multi-state lotteries. Unity key difference from scratchcards is that lottery draws typically get fixed draw times, and you must wait for the outcome. The homecoming to player (RTP) percentage for lottery games tends to be bring down than for other casino games, often around 50% to 60%, because a significant portion of just the ticket sales goes to well causes and prize pools. Yet, the allure of monolithic jackpots keeps players engaged. It’s important to note that online lottery tickets are subject to the same regulations as physical tickets, and prizes are claimed through the platform, which will verify your personal identity and unconscious process the winnings. Always gamble responsibly, go under limits, and never give chase losses.
The Appeal of Scratchcards, also known as scratch-offs or instant win games, offer immediate gratification compared to lottery draws. These digital versions mimic the physical scratchcard experience, where you reveal symbols or numbers to see if you’ve won a prize. Gameplay is simple: you choose a card, ‘scratch’ it by clicking or tapping, and the outcome is displayed instantly. Prizes range from small amounts to substantial jackpots, and many games have multiple tiers of wins. The RTP for scratchcards varies widely but typically falls between 80% and 90%, making them more favourable for players than lottery tickets. Some scratchcards are linked to progressive jackpots, where a small portion of each purchase contributes to a growing prize pool that can reach impressive sums. Because wins are instant, there’s no waiting period, and you can play as many cards as you like in a session. However, it’s crucial to remember that scratchcards are games of chance, and the outcome is determined by a random number generator. Responsible gambling practices, such as setting a budget and sticking to it, are essential to ensure that scratchcards remain a fun activity rather than a financial burden.
Claiming Prizes and Understanding RTP
Claiming prizes from internet lottery and scratchcard games is a streamlined process, but it varies depending on the amount won. For small wins, the platform typically credits your business relationship automatically, allowing you to take out or use the funds for further play. Larger prizes may require individuality verification and additional documentation, such as proof of address and age, to comply with UK gambling regulations. The platform will guide you through the process, and monetary resource are usually transferred within a few concern days. For jackpot wins, the process can be more composite, often involving a unmediated communication with the platform’s support team and potentially a public announcement if the prize is substantial. Understanding the RTP of these games is crucial for managing expectations. RTP, or return to player, is the pct of all wagered money that a game pays back to players over time. For lottery products, the RTP is in general lower due to the large jackpot prizes and contributions to good causes. Scratchcards give a higher RTP, but it’s relieve below 100%, meaning the put up always has an edge. Never view gambling as a way to make money; instead, treat it as entertainment with a cost, and always play within your means.
Responsible Gambling in the Digital Age
With the convenience of virtual lottery and scratchcard games comes the responsibility to run a risk safely. The UK Gambling Commission ensures that all licensed platforms adhere to strict guidelines, including offering tools for self-exclusion, deposit limits, and time-outs. It’s vital to use these features to maintain control over your gambling habits. Never run a risk with money you cannot afford to lose, and avoid chasing losses by increasing your bets. Take regular breaks and view gambling as a form of entertainment, not a source of income. If you feel that your gambling is comme il faut problematic, seek help from organisations like GamCare or BeGambleAware. Remember that online lottery and scratchcard games are designed to be engaging, but they are ultimately games of chance with no skill involved.
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The Mechanics of Online Lottery Play
Online lotteries replicate the traditional draw-based format but with the convenience of digital ledger entry. Players select numbers from a predetermined set out, often choosing between a standard quick-pick option or manually selecting their lucky digits. Draws occur at scheduled times, typically daily or weekly, and prizes are awarded for matching a certain number of drawn numbers. The jackpot grows incrementally if there is no winner, rolling over to the next cast. Many platforms also provide syndicate play, where participants pool tickets to increase odds collectively. The return to player (RTP) for online lottery games generally hovers around 50% to 60%, reflecting the high-risk, high-reward nature of the game. When you win, claiming prizes is straightforward: smaller amounts are credited flat to your account, while larger jackpots may require identity verification and sometimes a visit to a physical claim centre, depending on the operator. It’s essential to set a budget for lottery play and treat it as entertainment instead than a financial strategy, as the odds of hitting the premier prize are exceptionally slim. For example, the odds of winning the Powerball jackpot are nigh 1 in 292 million, making it more likely to be struck by lightning. Players should also be aware of the different tax implications in various jurisdictions; in the UK, lottery winnings are tax-free, but in the US, federal taxes go for. Additionally, many online platforms present subscription services that automatically go into you into draws, ensuring you never miss a chance to play. These subscriptions can be managed easily through your account settings, allowing you to break or cancel at any time. It’s also wise to check the frequency of draws and the specific rules of to each one lottery, as some have bonus numbers or special draws that can increase your chances of winning smaller prizes. Remember, the house edge is built into the game, so no strategy can guarantee a win. Always play within your means and never borrow money to buy tickets.
Understanding Scratchcard Instant Wins
Scratchcards, both physical and digital, present instant gratification with no hold off time for draws. Digital scratchcards emulate the physical version, using virtual cards that reveal symbols or numbers when tapped or swiped. The objective is to match three identical symbols or beat a threshold to win a value. Prize values set out from small amounts to life-changing jackpots. The RTP for online scratchcards typically falls between 70% and 90%, varying by game and provider. Instant wins are credited immediately to your account balance, allowing you to continue playing or withdraw. Some platforms offer interactive scratchcards with bonus rounds or multipliers. Responsible gambling practices are crucial: set time and disbursement limits before you start, and never chase losses. Scratchcards are unintentional to be fast and engaging, so it’s easy to lose track of time and money. Use tools like deposit caps and self-exclusion if needed. For instance, you might set a daily deposit limit of £20 and a time limitation of 30 transactions per session. Many sites also provide reality checks that pop up to remind you how long you’ve been playing. The variety of themes and prize structures way there’s always something new to try, but sting to games from reputable providers like NeoGames or Scientific Games to ensure fair outcomes. Always look into the prize table before buying; some scratchcards get multiple ways to win, such as matching symbols or revealing a bonus icon. Remember that the RTP is calculated over millions of plays, so individual sessions can vary widely. Treat any win as a bonus, not a sign of future success, and never increase your bet to recover losses.
Navigating Jackpots and Progressive Prizes
Jackpots in the lottery and scratchcard world can be fixed or progressive. Fixed jackpots are atmospherics amounts, while progressive jackpots increase every time a just the ticket is purchased but not won. Progressive lotteries can reach astronomical sums, attracting many participants. Web-based platforms often feature multi-state or international lotteries, expanding the prize pool further. For scratchcards, some games provide a guaranteed jackpot that must be won within a certain number of cards sold. It’s important to translate the rules: sometimes the jackpot is paid as an annuity, while others offer a lump sum. Claiming a jackpot typically involves more steps, including contacting customer support and verifying your identity.
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Understanding Online Lottery Products
Online lotteries hold transformed the traditional lottery experience, allowing players in the UK to participate in draws from the comfort of their homes. These digital platforms supply access to both national draws, such as the Lotto and EuroMillions, and a variety of international lotteries, including Powerball and Mega Millions from the US. Players can purchase tickets for upcoming draws, with jackpots that can reach life-changing sums, often exceeding millions of pounds. The operation is straightforward: select your numbers, choose your draw date, and confirm your purchase. Many platforms also offer subscription services, ensuring you never escape a draw, and some even out allow syndicate play, where groups pool tickets to increase odds. It’s important to note that online lotteries are regulated by the UK Gambling Commission, ensuring fair play and security through random number generators and regular audits. The odds of winning vary depending on the lottery, but the allure of a massive jackpot continues to thrust participation. For instance, the odds of winning the Lotto jackpot are near 1 in 45 trillion, while EuroMillions odds are roughly 1 in 139 million. Responsible gambling tools, such as deposit limits, time-outs, and self-exclusion, are typically uncommitted to assist players care their activity. Additionally, many sites provide detailed statistics on past tense draws, number frequency charts, and even ‘lucky dip’ options for random number selection. Players can also set up notifications for draw results and jackpot alerts, enhancing the overall experience. The convenience of online play extends to payment methods, with options like debit cards, e-wallets, and prepaid vouchers commonly accepted. Withdrawals are processed securely, and win are typically credited promptly, though large jackpots may require identity verification. Generally, online lotteries offer a seamless, secure, and entertaining way to engage with one of the oldest forms of gambling, now updated for the digital age.
The Appeal of Instant Win Scratchcards have evolved from physical tickets to digital versions that offer instant gratification. Online scratchcards mimic the experience of scratching off a physical card, revealing symbols or numbers that determine if you’ve won a prize. These games are popular for their simplicity and the immediate thrill of discovering a win, with results displayed in seconds. Prizes can range from small amounts, like a free spin or a few pence, to substantial jackpots, with some games offering progressive payouts that increase over time until a lucky player claims them. The return to player (RTP) percentage for scratchcards typically falls between 85% and 95%, though this can vary by game and provider. Players should check the RTP before playing, as it indicates the theoretical long-term payout, but remember that each game is independent. Digital scratchcards are available at various price points, from a few pence to several pounds, making them accessible to a wide audience. The convenience of playing on mobile devices adds to their appeal, allowing for quick sessions during a commute or break. Many platforms also offer themed scratchcards based on popular culture, such as movies, TV shows, or holidays, adding an extra layer of entertainment. Some games include bonus features like multipliers, extra reveals, or second-chance draws, increasing the excitement. Additionally, players can often try demo versions for free to understand the mechanics before committing real money. The instant nature of scratchcards means there is no waiting for a draw, providing immediate feedback and satisfaction. However, it’s crucial to set time and spending limits, as the fast pace can lead to impulsive play. Overall, digital scratchcards combine the nostalgia of traditional scratch-offs with the benefits of online gaming, offering a fun and potentially rewarding experience.
Jackpots, Prize Claims, and RTP
Jackpots in online lotteries can be rigid or progressive, with progressive jackpots growing until someone wins. For example, EuroMillions often has a minimum jackpot of £14 million, which can roll over to over £100 trillion, and occasionally exceeds £200 million.
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Understanding Online Lottery Products
Digital lottery products have got revolutionised how players in the UK engage with traditional lottery games, offering unparalleled convenience and variety. Instead of visiting a physical retailer, participants can purchase tickets for major draws like the National Lottery or EuroMillions through licensed online platforms. These digital services also provide access to international lotteries, such as the US Powerball or Spain’s El Gordo, which were previously inaccessible to British players. The gameplay is straightforward: select your numbers, pick the draw date, and substantiate your entry. Many platforms provide additional features like syndicates, where players pool tickets to increase winning odds, or subscriptions that automatically enter you into every cast. One of the key attractions is the potential for life-changing jackpots, which can roll over into hundreds of millions of pounds. However, it is crucial to call back that lottery games are purely based on chance, and the odds of winning the top prize are super minimal. The UK Gambling Commission (UKGC) strictly regulates all lottery operators, ensuring fair play and transparent practices. Players must be at least 18 years old and are encouraged to seth deposit limits to maintain control over their spending. Award claims for online lottery tickets are typically handled automatically for smaller wins, while larger prizes may require verification and direct striking with the operator. Ever check the terms and conditions regarding prize collecting, as some platforms have specific timeframes for claiming. Additionally, players should familiarise themselves with the different types of lottery draws available, such as Lotto, Thunderball, and Set For Life, to each one with distinct rules and prize structures. Online platforms often provide detailed guides and tutorials to help new players understand the nuances of for each one game. The convenience of playing from home, linked with the ability to purchase tickets at any time, has significantly increased participation. However, it is essential to use only UKGC-licensed operators to ensure protection and fairness. These operators are regularly audited and must adhere to strict standards, including the segregation of player pecuniary resource. For those interested in international lotteries, it is important to note that the odds and rules may differ, and some platforms may act as ticket purchasing agents rather than direct sellers. Always check the legitimacy of the site and read reviews from other players. The digital nature of web-based lotteries also means that you can easily track your tickets and past draws, making it simpler to manage your entries. Some platforms regular offer notifications for upcoming draws and results, ensuring you never miss a win. Despite the convenience, it remains vital to approach lottery play with a clear budget and to avoid disbursement more than you can afford. The excitation of a potential jackpot should never overshadow the importance of responsible gambling.
The Appeal of Instant Win Scratchcards, also known as instant win games, offer a rapid and engaging alternative to draw-based lotteries. Available both physically and online, these digital scratchcards simulate the experience of revealing symbols or numbers to uncover instant prizes. Online versions often feature interactive graphics and animations, making the gameplay more immersive. The concept is simple: you purchase a card, virtually scratch off the panels, and instantly see if you have won. Prizes can range from small cash amounts to substantial jackpots, with some scratchcards offering top prizes of £100,000 or more. The Return to Player (RTP) percentage for scratchcards varies by game but generally falls between 80% and 95%, meaning that over time, the game pays back that proportion of stakes as winnings. It is important to note that RTP is calculated over millions of plays and does not guarantee individual results. Online scratchcards are particularly popular because they provide immediate gratification and can be played at any time without waiting for a draw. Many UKGC-licensed operators offer a wide selection of scratchcards with different themes, price points, and prize structures. Responsible gambling practices are just as important with scratchcards; players should set time and money limits beforehand. Prize claims for online scratchcards are usually processed instantly, with winnings credited directly to your account. For larger amounts, identity verification may be required before withdrawal.
What Are the Most Common lotto casino app real money Questions?
What are web-based lottery products and scratchcards?
Online lottery products allow you to purchase tickets for national or international draws, while scratchcards are digital versions of instant-win games where you reveal symbols for prizes.
How do jackpots and instant wins work?
Jackpots accumulate from just the ticket sales and can reach life-changing sums, while instant wins give you immediate results without waiting for a draw.
What is RTP in lottery and scratchcard games?
RTP (Getting even to Punter) indicates the theoretical percentage of stakes returned to players over time, though individual results vary due to randomness.
How are prizes claimed if I win?
Small prizes are usually credited automatically to your answer for, while larger jackpots may require identity verification and manual processing by the operator.
What responsible gambling measures are available?
You can set deposit limits, time-outs, or self-exclusion options to manage play, and access support resources if needed.
How to Use Self-Exclusion Tools for Lottery and Scratchcards
Gambling is stringently for adults aged 18 and over. All UK-licensed casinos are regulated by the Gambling Commission (UKGC) to ensure fair play and player protection. If you experience your gambling is becoming a problem, you can use the national self-exclusion intrigue GAMSTOP to block access to all UKGC-licensed sites. For free, confidential assist, contact GamCare or BeGambleAware on the National Gambling Helpline at 0808 8020 133. Ever set deposit and time limits before you play, and treat gambling as entertainment—never as a way to make money or recover losses.
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| On Sep12,2026lotto casino app in 2026: a practical guide
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See also:
- Your ultimate resource for lotto casino app no deposit
- Your ultimate resource for lotto casino app review
- Typical Lottery and Scratchcard Promotions
- Visual Examples of Online Scratchcard Games
- Exploring the benefits of lotto casino app review
- Scratchcard RTP Comparison
- How to Use lotto casino app real money Effectively?
- Recognising Problem Gambling Signs with Lottery Games
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How Online Lottery Tickets Work
Purchasing lottery tickets online in the UK has suit a straightforward process, offering players the convenience of participating in draws like the National Lottery or EuroMillions from their own homes. After registering with a licensed platform, you can select your numbers manually or use a quick-pick choice for random selections. Many sites also offer syndicate play, where you pool tickets with other players to increase your odds of winning, sharing any prizes proportionally. The draw takes localise at scheduled times, and you are automatically notified of any wins, with smaller amounts typically credited directly to your account. For larger jackpots, you may need to verify your identity and complete a prize claim form, which is handled securely by the operator. It is important to note that online lottery purchases are subject to the same rules as physical tickets, including age restrictions and responsible gambling measures.
Instant Wins with Scratchcards
Digital scratchcards provide an straightaway thrill, replicating the experience of physical cards without the want to visit a shop. After selecting a offering with a specific stake, you virtually inscribe away panels to reveal symbols or numbers that influence if you have won. The results are instantaneous, and any prizes are added to your equipoise right aside, making them favoured for quick entertainment. Each scratchcard has a published return-to-player (RTP) percent, typically ranging from 85% to 95%, which indicates the theoretical long-term payout. Remember that RTP is calculated over many plays and does not guarantee short-term results. The simplicity and speed of these games make them a favourite among casual players, but it is crucial to set limits on time and spending to ensure they remain a fun activity rather than a financial risk.
Claiming Prizes and Playing Responsibly
Prize redeem procedures vary by amount: small wins are automatically credited, while larger sums may require verification steps such as providing identification or completing a claim take form. The UK Gambling Commission (UKGC) regulates all licensed operators, ensuring that claims are processed fairly and promptly. For material jackpots, you might be contacted directly by the platform to arrange payment, which can be a lump sum or annuity depending on the game rules. Always check the rules for specific claim deadlines, as unclaimed prizes after a certain period may be forfeited. Responsible gambling is paramount: set deposit limits, employ time-out features, and never give chase losses. If you feel your gambling is comme il faut a problem, seek support from organisations like GamCare or BeGambleAware.
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The Evolution of Online Lottery and Scratchcard Gaming
Digital lottery products and scratchcards make transformed the way UK players mesh with these classic games of chance, offering unparalleled convenience and variety. Unlike traditional paper tickets purchased from retail outlets, digital platforms now allow you to participate in official national lottery draws, international lotteries, and instant-win scratchcard games from the comfort of your home or on the go via mobile devices. The core gameplay remains familiar: for lottery games, you select a set of numbers and hope they friction match the drawn numbers to win prizes ranging from small consolation amounts to life-changing jackpots. Scratchcards, on the other hand, give immediate gratification—you virtually ‘scratch off’ a digital card to reveal symbols or numbers that determine if you’ve won an instant prize. Many virtual scratchcards also feature bonus games or progressive jackpots that grow with each play, adding an special layer of excitement. The payoff to gambler (RTP) percentage for these games varies widely, typically ranging from 70% to 95% depending on the game design and prize body structure. For lottery draws, RTP is often lower due to the large jackpot prizes, but scratchcards run to offer higher RTPs as they are designed for thomas more frequent smaller wins. It’s important to understand that RTP is a theoretical long-term average, and case-by-case results can differ significantly. When you win, treasure claims are usually handled automatically for smaller amounts, which are credited flat to your account. For larger wins, especially jackpots, you may need to verify your individuality and provide documentation before the funds are released. Licensed UK operators strictly adhere to UK Gambling Commission (UKGC) regulations, ensuring that value payouts are secure and timely. Responsible gambling is a crucial aspect of playing these games—background deposit limits, time-outs, and self-exclusion tools are useable on all reputable platforms to help you stay in control. Always treat lottery and scratchcard games as entertainment, not as a way to make money, and never chase losses.
Understanding Jackpots and Prize Structures
Jackpots are the main allure of lottery games, often reaching millions of pounds in the UK’s National Lottery or through international draws the likes of Powerball and Mega Millions. Virtual platforms aggregate these draws, giving you access to vast prize pools that you wouldn’t normally have through a single retailer. The prize structure is typically tiered: matching fewer numbers wins smaller fixed amounts, while the jackpot goes to those who match all numbers. Some lotteries also present multiplier options or additional draws for an extra cost, increasing your potential winnings. Scratchcards, while generally having lower maximum prizes, can still offer substantial sums, with some top prizes reaching hundreds of thousands of pounds. Progressive jackpot scratchcards pool a portion of apiece stakes into a growing treasure that can be won randomly or through specific symbol combinations. It’s essential to read the game rules and prize tables before playing, as these detail the odds of winning for each one tier.
Typical Lottery and Scratchcard Promotions
- 75 free spins no wagering
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Visual Examples of Online Scratchcard Games

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The Mechanics of Online Lottery Games
Online lottery games have revolutionised the way players in the UK wage with traditional lotteries, offering a digital alternative that combines convenience with a wide array of options. Unlike physical tickets purchased from local retailers, online platforms allow you to participate in both national draws like the Lotto and EuroMillions, as swell as a plethora of international lotteries from around the humankind. The gameplay is straightforward: you select your numbers, often through an intuitive user interface, and wait for the draw to determine if you have matched enough to win a award. Many sites also offer syndicate play, where you pool your tickets with other players to increase your odds of winning, albeit with a share of any prize. Jackpots in these games can reach staggering sums, often rolling over week after week until a lucky winner claims the top appreciate. It’s important to short letter that while the potential rewards are enormous, the odds of hitting the jackpot are typically really low, which is why responsible gambling practices are crucial. Additionally, some digital lotteries offer subscription services, ensuring you never miss a draw by automatically purchasing tickets on your behalf. When you win, smaller prizes are usually credited directly to your account, while larger jackpots may require verification and a formal claims process, often handled by the lottery operator itself. Always ensure that the platform you make use of is licensed by the UK Gambling Commission (UKGC) to guarantee fairness and surety. The RTP (Issue to Player) for lottery games can vary widely, but it generally hovers around 50% to 60%, reflecting the fact that a significant portion of ticket sales goes towards value pools and good causes. Understanding these mechanics helps you make informed decisions and enjoy the experience responsibly.
Instant Wins with Scratchcards, whether physical or digital, offer an immediate gratification that appeals to many players. In the online realm, digital scratchcards mimic the physical experience through virtual cards that you ‘scratch’ by clicking or swiping to reveal symbols or numbers. The objective is simple: match a certain number of identical symbols or achieve a specific combination to win a prize. Online scratchcards come in a vast variety of themes, from classic fruit machines to movie tie-ins, and offer a range of price points to suit different budgets. The biggest allure is the potential for instant wins, with some cards offering jackpots of thousands or even millions of pounds. The RTP for scratchcards is generally higher than that of lottery draws, often ranging from 70% to 90%, though this can vary depending on the game and provider. This higher RTP means that, on average, you can expect a better return over time compared to lotteries, but individual outcomes are still entirely random. Prize claims for online scratchcards are typically automated: winning amounts are added to your account balance immediately upon scratching. For larger wins, you may need to provide identification and go through a verification process. As with all gambling, it’s essential to set limits and never chase losses. The UKGC regulates online scratchcards to ensure they are fair and that players are protected.
Scratchcard RTP Comparison
| Name | Biggest win | RTP | Year | Provider |
|---|---|---|---|---|
| Las Atlantis | 27,500 AUD | 300% | 2024 | RealTime Gaming |
| Big Time Gaming | 12,400 | 50 | 2024 | Dead or Alive 2 |
| Coral Reef | 56,300 | 150% | 2023 | Thunderkick |
| Casino Midas | 5,000 $ | 100% | 2023 | NetEnt |
| Fortune Wheel | 8,500 | 300% | 2023 | Evolution |
| Sunny Casino | 12,400 | 125% | 2023 | Nyx Interactive |
How to Use lotto casino app real money Effectively?
What are virtual lottery products and scratchcards?
Digital lottery products allow you to purchase tickets for national or international draws, while scratchcards are digital versions of instant-win games where you reveal symbols for prizes.
How do jackpots and instant wins work?
Jackpots cumulate from ticket sales and can reach life-changing sums, while instant wins give you immediate results without waiting for a draw.
What is RTP in lottery and scratchcard games?
RTP (Payoff to Player) indicates the theoretical percentage of stakes returned to players over time, though individual results vary due to stochasticity.
How are prizes claimed if I win?
Small prizes are usually credited automatically to your calculate, while larger jackpots may require identity verification and manual processing by the operator.
What responsible gambling measures are useable?
You can set deposit limits, time-outs, or self-exclusion options to manage play, and access assist resources if needed.
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Recognising Problem Gambling Signs with Lottery Games
Gambling is purely for adults aged 18 and over. In the UK, all licensed operators are regulated by the Gambling Commission (UKGC). For those who feel their gambling is becoming a problem, the national self-exclusion scheme GAMSTOP allows you to block access to all UK licensed sites. Aid and support is available from GamCare and BeGambleAware, who run the National Gambling Helpline on 0808 8020 133. Ever set deposit and time limits before you play, and remember that gambling should be for entertainment only – never chase losses.