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On this page we’ve compiled a comprehensive summary covering online gambling in New York state, with an overview of applicable laws as well as recommendations on which sites are safe for NY residents.
Below you’ll find our current list of the best real money online casinos for New York residents, including bonus offers from each site. All of these gambling sites have been vetted by our editorial team to ensure safety for players, good payment options, fast payouts and solid customer service:
What Are The Best NY Real Money Gambling Sites?
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Is Online Gambling Legal in New York State?
The state of New York and New York City itself are not hotbeds of Casino activity but there are still some interesting venues available to those who want to gamble. Of course residents of the state of New York can also gamble online like any person in the USA can.
New York historically has had some of the most severe gambling laws in the country and it is still not the most liberal state when it comes to casinos or online gambling. Fortunately, in the last few years, there has been an evolution in that respect, notably to help support the state’s horse racing tracks.
A casino with slot machines sits next door to the racetrack of Saratoga in upstate New York since 2003. Casinos have also been opened more recently in and near New York City, one next to the Yonkers Racetrack and another Casino by the Aqueduct racetrack.
The latter is called the Resorts World New York City and is the first real casino in the Big Apple, with both slot machines but also automated table games like Blackjack, Roulette and many others. In addition to the casinos located near horse racing tracks, the state of New York also has multiple casinos located on Indian Reservations, however those are not necessarily easy to access, being outside of urban centers and far from New York City itself.
As we look to the future, it seems as though New York is going to be legalizing gambling more broadly soon. But in the meantime, the best option for New York residents looking to gamble is to do so in one of the many online casinos that accept them. Below, you can find our recommended list of online casinos, selected based on quality but especially safety and reputability.
New York has been tough on gambling in the past but, to the surprise of many, the state does not possess any laws which make it illegal to play at online casinos. What is illegal, however, is for a casino to be located in and operating in New York.
Because most online casinos that offer their services to New York residents are located offshore, you do not need to worry about landing yourself in legal trouble for having played at an online casino.
The online casinos that accept players in New York come in many different varieties. While there are full service online sites that offer just about every casino game known to man, other sites specialize in other forms of gambling like Poker or Sports Betting and therefore only a select variety of casino games are featured on these sites.
With more casinos being added all the time, there is no shortage of options for New Yorkers looking to gamble online. Not all online casinos can be trusted however and it is important to do your due diligence regarding their quality, their customer service and their gambling license before playing for real money at an online casino.
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Thankfully for you, we have done the hard work and reviewed hundreds of online casino options to recommend only those who can offer the best service to New York residents.
Looking to the future, it is an interesting prospect to consider whether New York is going to move on setting up a legalized, regulated online casino system within the state. New Jersey already has an intrastate online casino network and is actively drawing more and more New Yorkers every year.
With so much money flowing over the border, it makes no sense that New York seems to be completely avoiding the topic of legalized online casinos. Pennsylvania, for example, has really relaxed their laws when it comes to gambling both online and at brick and mortar locations, so this is just one more reason why New York should really move on legalizing online casino play once and for all.
Legal Status of Brick and Mortar Casinos — New York
Despite New York’s online casino status being stuck in the early 21st century, their brick and mortar gambling industry is thriving. This has been the case for a while now, as New York has long been one of the best states in the country for real money gambling.
There are numerous land based casinos operating within the state, and they offer a multitude of different gambling options, from poker, to blackjack, and just about anything else in between. Like many other states, the biggest problem with brick and mortar casinos is that they are not easily accessible to many residents. Most of these casinos are located outside of city centers, on Indian reservations.
New York is known for the huge city bearing the same name, however the state is comprised of much more than New York City Alone. In fact, New York is one of the biggest states in the country as far as physical size is concerned. With so many rural areas in the state, and most casinos being located near those areas, you can understand how difficult it is for some people to play real money casino games.
In many cases, the casinos are located in very rural parts of the state and require residents to drive hours just to get there. An increasing number of brick and mortar locations are being added with each passing year, so we would not be surprised to see New York, in the near future, rival states like New Jersey when it comes to live gambling.
Unfortunately, there are not any grandiose plans to add a large number of brick and mortar casinos in New York City itself. This may change soon, but New York lawmakers have not really expressed an interest in expanding the scope of the brick and mortar casino industry. That being said, there are still a number of brick and mortar casinos operating in the state, which include:
Casino | Address | Phone |
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Akwesasne Mohawk Casino | 873 State Route 37 | (877)-992-2746 |
Seneca Buffalo Creek Casino | 1 Fulton Street | (716) 299-1100 |
Lakeside Entertainment | 271 Cayuga St | (315) 889-5416 |
Point Place Casino | 450-452 NY-31 | (315) 366-9610 |
Seneca Allegany | 777 Seneca Allegany Blvd | (716) 945-3200 |
Seneca Niagara Casino | 310 Fourth Street | (716) 299-1100 |
Turning Stone Casino | 5218 Patrick Road | (315) 361-7711 |
Resorts World NY | 110-00 Rockaway Blvd | (888)-888-8801 |
Saratoga Casino Hotel | 342 Jefferson Street | (518) 584-2110 |
Empire City Casino | 810 Yonkers Avenue | (914) 968-4200 |
Sports Betting In New York
Just like about everywhere else in the USA, there is a lot of rumble recently regarding sports betting and online betting. Following a lawsuit started by the Governor of New Jersey, the law prohibiting the legalization of sports betting by each state has been struck down.
This means that a state like New York is now free to create its own laws and we are willing to bet that New York will be one of the first states to pass new gambling laws which authorize sports betting.
New York is after all arguably the biggest sports city in the world. New York City is home to two NFL teams, two MLB teams, two NBA teams and two NHL teams. Elsewhere in the state, the city of Buffalo has a NFL team and a NHL team and of course the various casinos and horse racing tracks in New York would love to be able to add sports betting to their offering.
As of now however, the only way for New York residents to gamble on sports is to open an account with one of the many international gambling sites which accept residents of the state.
These offshore sportsbooks have some pros and cons compared to a local gambling site. In the positive elements, you can find the fact that for sure international sportsbooks will offer better odds to New York players. Local casinos and sportsbooks have to pay local taxes which tend to increase their costs and therefore they cannot offer as attractive odds or bonus offers to players. We can already see that with the New York racetracks which do not offer the same rebates or bonuses to players compared to offshore racebooks.
Another distinct advantage for offshore sportsbooks is their ability to offer a whole variety of games, including poker and casino games often. So far, plans to legislate online gambling in the USA and New York have always separated the different forms of gambling. Therefore a player who wants to play multiple types of games usually needs to open multiple accounts, which is not very convenient.
Now, of course, playing with an international gambling site has some disadvantages. First of all, you have to make sure that the sports betting site you play at offers a good variety of odds and fair pricing on them. We have researched dozens of sportsbooks and those we recommend for New York residents are quite player-friendly in that respect.
New York players looking for a sportsbook also need to be careful in choosing one with a spotless reputation and known for fast payments. Receiving your winnings is generally not a problem but there are some rogue sportsbooks out there. We of course only recommend sports betting sites which are known to be treating players well and fairly, including comes the time to request a payout.
It goes without saying but offshore sportsbooks of course offer odds on all games played in New York and if you are looking to bet on the New York Giants or the Islanders or the Knicks, offshore sports books will have you covered and will often offer a wider variety of betting options than even the casinos in Vegas can offer.
Online Poker In New York State
Multiple states, including the neighbour New Jersey, have already passed legislation allowing online poker so we can wager that New York will soon pass laws allowing the licensing of online poker rooms in the state.
In the meantime, New Yorkers need to play on international sites who take American players and though there are only few left, there are still good opportunities for New York poker players online.
The big names in the game, such as Poker stars and Full Tilt Poker, have had to leave New York state in 2011. A few other poker networks have popped up since to offer the game to residents of the State. The volume of player is not as good as it used to be but for fans of the game, it is better than nothing. Usually the online poker rooms available to New York residents are part of sites also offering sports betting and casino games so for players looking to play a variety of games, this situation is not so bad.
Of course, when looking for online poker sites, New York players need to make sure to select a site which takes security seriously. The risk with online poker is to be facing cheaters or bots playing and any serious poker player knows that you need to find a site which fights against fraud with vigor and roots out this type of cheaters. All the gambling sites we recommend for New York players are very strict and dedicated to player safety and you can therefore trust than when you play in their poker room, you face real players, not bots.
Obviously, a poker player will win at least once in a while and New York players need to play on sites that are convenient when it comes to depositing real money, but only when it comes to withdrawing funds. The recommended poker sites you will find in our pages all offer convenient withdrawal methods and send payouts rapidly.
Online poker in New York might not be what it used to before the big names in the game left the state but there are still very high-quality gambling sites offering their services to New York residents. So if you are a New Yorker looking to gamble online, on poker or other games, you will find in our pages multiple good and secure choices to do so.
New York Online Casinos & Gambling FAQ
- Abbreviation: NY
- State Motto: Ever upward.
- Capital City: Albany
- Population Estimate: 19.85 million (4th)
- Website: http://www.ny.gov/
If poker sites were ousted, will I get in trouble for playing poker at New York online casinos?
While it may be true that the legislation that halted the existence of many poker brands in the US originated in New York, the fact of the matter is that not one single person landed themselves in any legal trouble by playing poker before or after that ruling. The same applies for any and all other online casino games as well. It may not be strictly legal to gamble online in New York, but it is not illegal either.
What kind of games exist at New York online casinos?
Every online casino is different, so while one may offer a multitude of games with many varieties, another online casino may specialize in only a few game types. By doing a little bit of research before you begin playing, you will be able to easily determine which online casinos offer what games. Most online casinos available to New York residents offer the classic games however: Slots, Blackjack, Roulette, Baccarat, Keno, etc.
How can I cash out?
Cashing out is typically done one of two ways because of the banking laws that exist in the US. The first most popular cash out method is by way of a mailed check. Depending on the online casino, a mailed check can take anywhere from a few days to a few weeks to arrive at your door. The other option is to have your winnings directly transferred to your bank account. This is more of an immediate transaction, but requires you to give up more personal information than you would if you were receiving a check in the mail. Some online casinos offer New York residents the option to receive their winnings through bitcoin as well.
Will intrastate online casinos ever be legalized?
Because New Jersey already has an intrastate online casino system, many people believe New York will too. Up to this point, the New York government has not enacted any online casino or online gambling laws, but there is a feeling that this might change sometime in the near future as the state looks at ways to increase revenues.
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There are two options for NY online casinos. New Yorkers have access to sweepstakes casinos, where they can play for cash prizes. Or, New Yorkers can access NJ online casinos to play for real money, if they head to New Jersey.
New York State does not have legal online casinos – but New Yorkers do have access to sweepstakes casinos. By using this alternative online gaming method, folks in the state can play their go-to casino games to win gift cards and cash prizes.
Make no mistake, these prizes are earned by winning the games. You’re not playing for an entry to a prize drawing or giveaway – what you redeem is yours to keep.
Sweepstakes casinos are the ultimate alternative to the online casino and can save you a trip to New Jersey or Pennsylvania to get your gaming fix.
The Best Sweepstakes Online Casino Sites In NY
The best sweepstakes casino sites are Chumba Casino and LuckyLand. And they’re the only two you should play. All other sweepstakes casinos have not built a good enough reputation to risk it.
However, Global Poker, which is owned by the same company that owns Chumba Casino, is a legitimate sweepstakes poker site that also features a few casino games. If you enjoy multiplayer poker as well as casino games, that’s a great choice for folks located in New York State.
The best sweepstakes casino sites in New York also happen to be the best choices in the country. All US states (except for the State of Washington) have access to Chumba and LuckyLand, and thousands of people across the country have won enough points to redeem for cash prizes and gift cards.
The bad news is that New York limits your cash prize redemption to $5,000, and it’s one of only a couple of states to do so. This maximum is explicitly stated on the Chumba and LuckyLand websites.
The games available at sweepstakes casinos are mainly slots. However, Chumba offers blackjack, roulette, and video poker. LuckyLand also has a few online scratch-offs. But the sweepstakes casinos are mostly for slots players, as the selection is tremendous in comparison to the other choices.
Legal Online Casinos In NY
There are currently no legal online casinos in New York State.
Further, New York State has not legalized online sportsbooks. Governor Andrew Cuomo believes that sports betting sites and apps would require an update to the constitution. That means it could take years before online sports betting comes to NYS.
Despite NYS legalizing sports betting by amending its state constitution in 2013, the first physical sportsbooks didn’t open until 2019. Now, there are a few in-person sports betting retailers in Upstate New York. Unless the unexpected happens, online sportsbooks won’t enter the NYS market until 2023 or later.
In terms of online casinos, there has been no push whatsoever for their legalization. It’s safe to assume that won’t be on the docket until after online sports betting enters the market. And if that generates revenue for the state, online casino considerations will probably be made.
So, it’s a safe bet that New York State won’t offer legal online casinos until at least 2025.
How To Gamble Online In NY
Play At A Sweepstakes Online Casino
Because you’re using currency that’s specific to the sweepstakes casino, you’re not gambling real-money on the site. That’s why it’s legal in NY.
However, you are playing with in-site coins that can be redeemed for cash prizes and gift cards, which makes it a comparable experience to a real-money online casino.
Besides the currency, the biggest difference between a sweepstakes casino and a legal online casino is the game selection. The best online casinos in New Jersey, for example, have a massive selection of every type of game. Some have dozens of choices for just blackjack variations, and that’s not to mention hundreds of slots.
Still, both the Chumba Casino and LuckyLand have a nice selection of slots. Chumba has around 70 titles, which means most people’s playing preference should be covered. If you’re strictly a blackjack player, you only have one option between the two sites. But it has some player-friend rules that give it a low house edge.
All in all, online sweepstakes casino sites are a good choice for winning cash online in New York.
Play At New Jersey Online Casinos
New Jersey is one of a few states that legalized online casinos. And it’s completely legal for New Yorkers to travel into the state of New Jersey to play at their online casinos. New Jersey has some of the top online casinos including DraftKings and Golden Nugget.
In fact, NYS residents can register for the online casino from New York. They can also make a deposit and take advantage of any welcome bonuses. But to place a legal bet on the site, you need to be physically located in the State of New Jersey.
That’s why the online casino will require that you let them know your location while you’re using the app or on the site. It’s against state law to accept wagers outside of the state.
See our full guide to NJ Online Gambling.
Top 3 Best Online Casinos In New Jersey
Online Casino | Welcome Bonus |
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Golden Nugget | 100% first-deposit match up to $1,000 + 200 Free Spins |
BetMGM | $25 no-deposit bonus; 100% first-deposit match up to $1,000 |
SugarHouse | 100% first-deposit match up to $250 |
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All of the above listed online casinos offer iOS and Android apps that accept New York residents. To place bets and win money, you need to travel to New Jersey, whether by car, train, or ferry. Once you leave NJ state lines, you can no longer place bets until you return.
Play At Pennsylvania Online Casinos
Pennsylvania is another neighboring state that allows New York residents to play at their online casinos. The only stipulations are that you’re at least 21 years old and within PA state lines.
Just like with New Jersey online casinos, New Yorkers can join one or all the PA online casinos from home. They can also make a deposit and claim their welcome bonuses. But to start betting, you need to be physically inside the state of Pennsylvania.
The easiest way to verify that you’re in the state is by downloading the online casino app for iOS or Android, then allowing the app to know your location. However, you can also verify your location using most desktop or laptop computers.
Top 3 Best Online Casinos In Pennsylvania
Online Casino | Welcome Bonus |
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Caesars | 100% first-deposit match up to $300 |
DraftKings Casino | 20% first-deposit match up to $500 + $100 free blackjack credits |
Unibet | $10 no-deposit bonus; 100% first-deposit match up to $500 |
In the State of PA, Caesars, DraftKings, and Unibet all also take sports bets. However, the sportsbook may be a different app. The same login and bankroll should apply to both versions of the gambling site.
Five-Minute Guide To Sweepstakes Casinos In NY
How Do Sweepstakes Casinos Work In NY?
A sweepstakes casino works by giving people located in the State of New York access to legal online casino games.
Sweepstakes casinos are not considered gambling sites because you cannot use real money to place bets. Instead, you play the games using site-specific currency, namely Gold Coins or Sweeps Coins.
You can switch between Gold Coin or Sweeps Coin play at the top of the online casino website or within the different games. The currency doesn’t change the game; instead, it changes what type of coin you’re using to win.
Whichever coin you use to play is the coin rewarded if you win the game.
How Do You Win Cash Prizes By Playing Online?
To win cash prizes at a sweepstakes online casino, you need to play with Sweeps Coins.
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You’ll receive Sweeps Coins when you sign up at the sweepstakes casino. Both LuckyLand and Chumba also reward additional Sweeps Coins each time you log in on the site.
Other ways to receive Sweeps Coins is by mailing in a request, participating in a social media contest, or by purchasing Gold Coin packages that include Sweeps Coins.
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You’ll then need to use those Sweeps Coins to play the games. All Sweeps Coins that you win are redeemable. However, you need a minimum amount to redeem for a gift card or cash prize.
At Chumba Casino, a minimum of 10 Sweeps Coins are required for a gift card, and 100 Sweeps Coins are needed for a cash prize. At LuckyLand, you can redeem for a cash prize with 50 Sweeps Coins, and the same is true for Global Poker, which also offers some quality sweepstakes casino games, including two versions of blackjack.
How Do You Access Sweepstakes Casino Sites In NY?
You can access the Chumba Casino in New York through the web browser on your mobile or desktop device. Unfortunately, it is not available on iOS or Android. Chumba Casino did have an app at one point, but it’s no longer available.
Do not download any apps from third-party sites claiming to be Chumba Casino. If Chumba does end up offering an app again, they will offer it directly on their website.
LuckyLand can be accessed via web browsers, and they offer an Android app as well.
How Do Purchases Work At NY’s Sweepstakes Casino Sites?
The most popular way to receive additional Sweeps Coins is by purchasing Gold Coins. At both Chumba and LuckyLand, some packs of Gold Coins include Sweeps Coins, while others do not.
For example, purchasing one million Gold Coins will only cost five dollars at Chumba Casino. But it includes a handful of Sweeps Coins as well, which can then be used to play the games and win additional Sweeps Coins. If you win enough to redeem, you can do so for cash prizes or gift cards.
Just make sure the Gold Coin package that you’re purchasing includes Sweeps Coins.
What Are The Sweepstakes Casino Purchase And Redemption Options?
You can purchase Gold Coins at sweepstakes casinos using the following payment methods:
- Online Banking via Chase, Bank of America, Wells Fargo, and more.
- Credit or Debit Card, including MasterCard, Visa, Amex, and Discover.
- Skrill, a popular e-wallet that’s similar to PayPal.
- PaySafeCard, a prepaid card that’s available at many major retailers.
To redeem your cash prize, you can use online banking or Skrill. To redeem your gift card, you’ll just need to provide your email address so they can send you the digital gift certificate.
How Does Entry By Mail Work At Sweepstakes Casino Sites in NY?
You can enter for Sweeps Coins by mail at Chumba and LuckyLand by sending the request via the postal service. Doing so grants you five free Sweeps Coins to your account.
Be sure to follow the instructions to a T on their website. Use the right sized envelope and paper. Print extremely legibly. Use their exact wording on the website. And be sure that you only make one request per envelope.
There doesn’t seem to be a limit on how many requests by post you can make, but you’ll likely want to double-check that before making a second request.
What Are The Bonuses At Sweepstakes Casinos In NY?
The bonuses at the sweepstakes casinos available to folks in New York State are mainly discounts on Gold Coins packages that include Sweeps Coins.
For example, newly registered players will likely be offered 50% off. A Labor Day Sale might be 20% off.
If you opt-in to email offers, you’ll be notified of any bonus opportunities.
Are Sweepstakes Sites Legal In NY?
Yes. Sweepstakes sites are legal in New York State and everywhere else in the US and Canada except for the State of Washington and Quebec. New Yorkers in NYC as well as Upstate both have full access to all sweepstakes websites.
Sweepstakes are actually expressly allowed via New York State law. That’s good for those who are careful about keeping all online gaming legal. But the bad news is that there are specific regulations regarding sweepstakes as a result of its legality.
Rather than receiving any size cash prize like in most states, New Yorkers are limited to cash prizes of $5,000.
Can I Trust Sweepstakes Sites To Pay My Winnings?
Yes, you can trust Chumba Casino and LuckyLand to grant you your cash prize or gift card, whichever you choose. As long as you’ve won enough Sweeps Coins to redeem, you won’t have a problem doing so.
However, that’s not an umbrella endorsement of all sweepstakes websites in the world. Chumba and LuckyLand are the only two sweepstakes casinos that you can be sure offer fair games, legitimate gift cards, and actual cash prizes.
Global Poker also offers a nice selection of casino games, and they reward cash prizes without an issue.
For all other sites, be sure to do extensive research to make sure it’s a legitimate sweepstakes site.
What Are The Types Of Games Available At NY’s Sweepstakes Casinos?
Slots At Chumba Casino
Chumba Casino boasts a large selection of slots. They span every type of genre, including pop culture references, fantasy themes, and more. You can also find both classic three-reel slots as well as five-reel slots with immersive graphics and special features.
The most popular slots at Chumba are the progressive jackpots. At the time of writing this article, there were 12 different options, and the one shared by Stallion Grand and Dancing Gold was the highest at 720,000 Sweeps Coins.
Chumba is also committed to regularly adding additional slots games. Usually, the rollouts coincide with the season. For example, a holiday slot around Christmastime.
Slots At LuckyLand
LuckyLand has about half as many slots as Chumba. Still, it’s an impressive selection, with a wide range of options that will cover most preferences.
Whether you like the bonus features and special symbols or the barebones options, you should be able to find something worth trying at LuckyLand.
Like Chumba Casino, LuckyLand also has some progressive jackpot slots. But most of the progressive games are tied to each other, meaning a handful of games will all share the same progressive.
The most popular LuckyLand slot is Neon Valley, which has its own progressive jackpot on top of the shared one. At the time of writing this, it was over 100,000 Sweeps Coins.
Table Games At Chumba Casino
Chumba Casino offers four table games alongside its slots. And half of them are roulette.
At Chumba, you can play the traditional American roulette, which has two green pockets. You can also play American Roulette x2, where you can place side bets on a separate dice roll. It’s two ways to win in one.
As mentioned above, Chumba’s blackjack has some attractive rules. For example, the dealer stands on soft 17, the player can hit on split aces, and blackjack pays 3 to 2.
Chumba Casino’s fourth non-slot game is Jacks or Better video poker, which has the best “return to player” out of all other video poker variations.
Scratch Cards At LuckyLand
LuckyLand may not have any table games like Chumba, but they do have a few instant win games.
These digital scratch-offs let you choose the value of the card, then reveal covered spaces in the hopes of winning a multiplier.
The rules of the different options are similar to scratch cards that you’d buy through the New York State Lottery.
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NY Sweepstakes Casinos FAQ
No. New York State has not legalized online casinos for real money.
The only states that have legally-licensed online casinos are Delaware, New Jersey, Pennsylvania, and West Virginia.
To play legal, real-money casino games in New York, you need to travel to one of the many brick-and-mortar locations across the state.
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No. You need to be physically located in the State of New Jersey to place bets at their legal online casinos.
However, residents in New York can sign up and make a deposit from NY. Some online casinos in New Jersey also let you play their games in demo mode. But you have to be within state lines to play for real money.
Yes. Chumba Casino is available in New York. It is legal to purchase Gold Coins for Sweeps Coins. You can also legally redeem your sweeps coins for cash prizes and gift cards. New Yorkers can also play Chumba Casino while being physically located practically anywhere else in the country.
Yes. LuckyLand is available in New York State. LuckyLand members located in New York have access to all their games as well as cash and gift card redemption. New Yorkers can play for fun with Gold Coins or win Sweeps Coins to redeem for prizes. This applies to both New York City residents as well as Upstate New Yorkers.
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No. But you can win cash prizes or gift cards at sweepstakes sites. This is not a site that rewards you in “giveaways” or “chances to win.” Instead, you win Sweeps Coins that can then be redeemed for cash prizes or gift cards. How much you win is entirely dependent on how many Sweeps Coins you’ve won.
18. You need to be at least 18 years or older to play at sweepstakes casino sites in New York. You will receive some bonus Sweeps Coins by verifying your age and identity, which you’ll need to do before you can receive cash prizes or gift cards.
Yes. Both Chumba Casino and LuckyLand have progressive jackpots. Some of the available progressives can reward over a million Sweeps Coins. In many states, that can result in a massive, life-changing cash prize. Unfortunately, New York State limits your sweepstakes cash redemption to $5,000.
Aside from Chumba Casino and LuckyLand, the only other sweepstakes casino that may be worth joining is Funpointz.
Global Poker is one of the best poker sites in the US, with a huge interstate player pool, and it has a sweepstakes model structure.
For sweepstakes sports betting, FendOff is a good choice, although visiting a brick-and-mortar sportsbook in New York will more than likely offer better odds.