can you buy scratch offs with a debit card

Players can buy lottery tickets for a variety of games, including Lotto, Mega Millions, Powerball, Lucky Day Lotto, Pick 3, Pick 4 and Instant Games. Submit All Losing Tickets. But doing so is not a good idea. Can you buy lottery tickets with a debit card. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[250,250],'remodelormove_com-leader-3','ezslot_18',167,'0','0'])};__ez_fad_position('div-gpt-ad-remodelormove_com-leader-3-0');Generally, scratch-off return is expressed as a percentage of the cost of the ticket, with higher cost scratch-off tickets typically having higher return percentages. 2. Does Publix accept debit cards for lottery tickets? State income tax refunds. Getting a Mortgage With a Smaller Down Payment and No PMI. In Washington state, scratch-off lottery tickets can be cashed from 8am to 11:45pm seven days a week. 82% tax, as well as any applicable city taxes. After you select Buy and confirm your purchase, your debit card will be charged for the ticket costs. If you are lucky enough to win a prize of more than $600, you will need to fill out and submit a claim form with your personal information. Therefore, using a debit card at stores that have the means to accept debit cards is a great option for individuals who do not want to carry around cash. When it comes to the debit card limitations, you will be limited to spending a maximum of $700 on lottery tickets over seven days. Certain prizes, including multi-state lottery winnings, may be subject to additional taxes; for instance, Powerball winnings are subject to New York States 8. You can buy up to 13 weeks (26 drawings) in advance by asking for Advance Play. To buy a Mega Millions ticket in Texas, you will need to visit an authorized lottery retailer. Again, draw breaks only occur on the night of the drawing. But it really also depends on how large a print run the game has. Use Electronic Funds Transfer or Instant EFT. In terms of scratch-off ticket return, there is no single state that stands out from the others. How To Get a Personal Loan With Fair Credit, How to Use a Personal Loan to Build Credit. *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. No, it is not typically possible to use a credit card to make a purchase at a lottery machine. How do you play the lottery in Washington state? You won't have to make a prior deposit. Locate the customer service desk in Walmart. Do not give out your personal, confidential information to someone claiming to be from a government agency. Can you buy Powerball tickets with a debit card? Yes, you can buy scratch-off tickets with a debit card in Illinois. Depending on the type of lottery machine and the specific location, you may need to select the particular lottery game you wish to play, and then enter the amount of money you wish to spend. Find out which states allow you to buy lottery tickets with a credit card and which ones will only accept cash. Unfortunately, Walmart doesnt accept credit cards. since they dont participate in state lotteries. The Florida Lottery is open to anyone 18 years or older with a valid ID, regardless of residency. What is the theme and central idea of The Lottery? Can you use a debit card to buy lottery tickets, how to do it, and which states ban using credit cards? Your email address will not be published. Once the ticket is scanned or entered, the website will show the ticket details and inform you if you have a winner. Ohio Lotto scratch-offs will accept plastic on Nov 1st, but John Matarese asks if this is a smart idea . You can only purchase tickets using a debit card. In fact, the entire game has two main options apart from cash: annuity or lump sum. This subscription allows you to use a debit or credit card to purchase multiple drawings over an extended period of time. Moreover, unlike other states (such as California) that allow only purchases through retailers, you can also buy lottery tickets online via NY Lottery mobile app. Some states may require you to choose cash or annuity payment when you purchase your ticket, while other states allow you to choose a one-time lump sum payment. If you have a winning ticket, you will need to take the ticket to an authorized retailer to claim your winnings. This is not to say that these will all be big winners. Lottery tickets are only valid for the state in which they were purchased and cannot be used for claim elsewhere. Winners who wish to collect more than $600 in winnings must have their Social Security number (SSN) entered into the Florida Lottery Winners Database. Players have the chance to win up to $50,000 a week for life, or $50,000 a year for life, and other cash prizes up to $1 million. How to Get a Reverse Mortgage: 3 Steps to Getting an HECM. You do not have to be a U.S. citizen. Keep in mind and to always check the reviews and ratings before downloading any app. There isnt a national lottery. Many states dont accept credit cards but will accept debit cards as a cash equivalent if the retailer selling the tickets is on board. Can I buy Mega Millions with a debit card? Matching one of the Powerball numbers will earn you $4 as well. To check if you have a winning scratch ticket in Washington State, you can either use the OLG Lottery App or you can bring your ticket to any Lottery retailer to have it scanned. Tickets that have not been cashed within a year of the draw date will be voided and can no longer be cashed. First, you can purchase a lottery ticket from any of the over 1,700 licensed Washington Lottery retailers found throughout the state. A: Confirm the payment type you are trying to use is an accepted form of payment. Other online services may be available that also offer online lottery purchases. In addition to picking-up your winnings in person, you must provide two acceptable forms of identification to complete your claim and submit a signed and completed claim form (found on the Florida Lottery website). All lottery winnings are subject to federal taxes and some states, including Florida, also require winners to pay state taxes. There are also some state-authorized lottery retailers that may accept debit cards as a form of payment. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[728,90],'remodelormove_com-leader-3','ezslot_17',164,'0','0'])};__ez_fad_position('div-gpt-ad-remodelormove_com-leader-3-0');The Washington Lottery is a great way to have some fun, test your luck, and potentially win a life-changing sum of money. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[250,250],'remodelormove_com-large-mobile-banner-2','ezslot_16',165,'0','0'])};__ez_fad_position('div-gpt-ad-remodelormove_com-large-mobile-banner-2-0');All of the games are drawn every day and offer a variety of prizes, from smaller prizes that start at $1 to jackpots that reach over $50 million. Input your search keywords and press Enter. You can either mail it or drop it off at the Lottery Headquarters in Olympia. SCAM ALERT: The Wisconsin Lottery does not know who winners are until they come forward. You may find that there are some instances where your debit card is not accepted. As such, it is important to check the individual rules and regulations of the lottery in a given state before purchasing scratch-off tickets. You can choose from a variety of different game types, such as the Powerball, Mega Millions, Hit 5, Match 4, Daily Game, and Daily Keno. What you should know about buying read full answer Does buying lottery tickets affect my credit score? Yes, you can check your scratch ticket online in Wisconsin. To ensure your ticket is valid and secure, you will be required to sign both the ticket and the validation slip that the retailer prints. For example, if a game has 100,000 tickets printed and 5 winning combinations, your odds of winning would be 1 in 20,000. The only way to purchase lottery tickets with a prepaid card is to use a card issued exclusively for lottery purchases. Some may only accept cash while others may accept credit cards, prepaid cards, or debit cards. Generally, the cash option amount is less than the annuity option amount, however the lump sum amount is the same as the advertised jackpot amount. However, its important to note that not all retailers offer the same payment methods. Can You Buy Lottery Tickets With a Debit Card? You should then insert your card into the machine, which will prompt you to enter your PIN number. Payment Methods. Every new roll of lottery scratch off tickets is guaranteed a certain number of winners which vary by game. State laws generally forbid the purchase of lottery tickets with a credit or debit card. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[250,250],'remodelormove_com-leader-2','ezslot_17',166,'0','0'])};__ez_fad_position('div-gpt-ad-remodelormove_com-leader-2-0');The lottery in Illinois is the Illinois Lottery. If you have won the lottery in Florida, you can collect your winnings from Florida Lottery Headquarters located in Tallahassee. Notify me of follow-up comments by email. Q: How often do you introduce new scratch-off games? You also cant play the Massachusetts Lottery games online. Depending on the game you choose, you could win prizes ranging from free tickets to cars, cash and more. For an extra $1 per play, you can add the Power Play option, which multiplies any non-jackpot winnings by up to 10 times! Tourist may also wish to join the free Florida Lottery Players Club, which provides exclusive information and offers. The top federal tax rate is 37% for income over $500,000. 6% depending on your location. How likely are you to win all or nothing? If the code was FHN, the ticket was a $500 winner. When you owe back taxes, the IRS will keep all refunds and apply them toward your unpaid tax balance. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. Few, if any,. Depending on the winners tax status, the cash option may be subject to federal taxes, state taxes and/or local taxes. By: Author Olin Wade (Remodel or Move Stuff). This data can then be used to modify and improve the game for their players, as well as for their own business. Terminal operating hours are almost 24 hours except from midnight to 12:30 a.m. You may sell scratch tickets during terminal down time and may begin selling draw games at 12:30 a.m. C.T. Can a First-Time Home Buyer Get a Jumbo Loan? Compare checking accounts. The cash option for the Mega Millions lottery pays out the full amount in one lump sum. Thus, the probability of you striking gold is much higher with expensive scratch cards than playing penny scratch-offs tickets. August 24, 2022 by Admin. From there, simply select the option to purchase lottery tickets, and follow any further instructions that the machine may provide. Buy In Bulk. The cost of the ticket will be multiplied by the number of draws you play, so the total cost for multiple draws will depend on how many drawings you want to play. For example, a scratch-off ticket with a $5 cost may have a return of 30%, while one with a $20 cost may have a return of 40%. What is the tax rate on lottery winnings in Washington state? Since many lottery tickets contain state lotteries, Visa gift cards cannot be used to purchase any type of lottery ticket due to government regulations. All Florida Lottery retailers accept debit card payments. It is completely safe, and you can track the game to see if there are any recent winners. I have bought gas at the Murphy Oil in Longview and also scratch offs and lottery tickets using my debit card to make the purchase. How do I check my WA lottery ticket online? In Florida, the lottery withholds 24 percent of winnings over $5,000 for federal taxes. When you purchase your ticket, it will have a series of randomly generated numbers on it. However, not all states in the US accept the use of debit cards as a form of purchasing Powerball tickets. We may not be able to show you how to win scratch offs every time you play, but these tips will certainly help improve your odds! In some states like California, you can use cash, debit cards, or credit cards. The word misprint pretty clearly. The process is quick and easy, and you can easily purchase tickets from the comfort of your own home. Credit cards and debit cards are among the most popular forms of payment. To dispute a debit card transaction, players must call 770-825-4484 for assistance. Compare real offers from multiple lenders. Depending on where you live, you can find an app to purchase tickets and check results for official state or international lotteries. You can also use a credit card. Does Refinancing Your Car Loan Hurt Your Credit Score? For example, by tracking and analyzing the data collected from the QR codes, lottery operators can gain valuable insight into customer behavior, purchase trends, and preferences. The North Carolina Online Lottery does not offer instant win games at this time. Every state that offers scratch-off tickets has different rules regarding return. How Prepaid Debit Cards Can Help You Budget, Compare Credit Counseling Services Reviews, Expert Tips On Repairing Your Credit Score, Re-Establishing and Restoring Your Credit, Compare Debt Settlement Companies Reviews. The most winning lottery ticket is a lottery ticket that increases your chances of winning by employing various strategies, such as playing the lottery with a group of people and purchasing multiple tickets. How to buy a Mega Millions ticket in Texas? Players can purchase tickets in retail locations, through the Lotto ipad app, or online at illinoislottery. Not all credit cards are honored and personal credit limits apply. And, in some cases, like Washington, you may be limited to. Finally, lottery operators can use the QR code to collect valuable data that can help them to improve their lottery game. Personal Loan Vs. Line Of Credit: Which Is Better? Americans spend approximately $72 billions every year on lottery tickets. It ain't what they call you, it's what you answer to.. W.C.Fields. Some states, such as Georgia and New Hampshire, ban credit cards but not debit cards. The truth of the matter is there is probably no secret or trick in playing lotto. Compare Home Equity Lines of Credit Reviews. You then have the option to either enter the ticket serial number or scan the barcode using the camera on your device. Colorado Lotto+ tickets cost $2 and are available at most Colorado retailers. Lottery winnings are subject to this rate, as with other types of income. Additionally, you can use an online lottery site to purchase Florida Lottery tickets with a debit card. How can I participate in the lottery games? Yes, you can buy lottery tickets with a debit card, but some retailers may not accept a . Credit cards work a little differently from debit cards. 0:00. Yes, Illinois has a state lottery. Each payment will be 5% larger than the previous one, increasing with inflation. Any adult over the age of 18, regardless of their state or country of residence, can enter and win the lottery in Florida. No, you cannot cash in a Florida Powerball ticket from another state. There are also a variety of instant win games, where players instantly win prizes by either scratching off the tickets or playing online games. Additionally, if the prize is greater than $600, the winner may be required to provide two forms of identification, such as a drivers license and a Social Security card. However, you can only purchase tickets at the local lottery retailers as there are no online purchases. Can you buy lottery tickets with a debit card in California? Your tickets will be printed out and dispensed in the tray below. a maximum of $700 on lottery tickets over seven days. The Illinois Lottery allows you to purchase tickets using debit cards at any official Illinois Lottery retailer. Additionally, educating yourself on the odds of winning the lottery or using a system or software to generate potential lottery numbers can also increase your chances of winning the lottery. How to Find a Money Transfer Service Near Me? if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[580,400],'remodelormove_com-box-4','ezslot_2',156,'0','0'])};__ez_fad_position('div-gpt-ad-remodelormove_com-box-4-0'); Once you have entered your PIN, the machine will display a list of available options, such as purchasing tickets, checking your balance, withdrawing cash, etc. The three letter code was an indication of whether the scratch-off was a winner or not. Can you use a Visa gift card to buy lottery tickets? However, retailers may have their own policies in place. Your email address will not be published. SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products. If it is, then you would need to take the ticket to an authorized lottery retailer in Florida and have them validate it. What does it mean when a lottery ticket says Cannot process See retailer? Finally, you can also purchase Florida Lottery games using your EZMatch subscription. Washington state has one of the highest state income tax rates in the country, with a rate of 7. How do I keep my lottery winnings a secret? You can find scratch tickets at any of the hundreds of Washington State Lottery retailers and participating grocery stores, gas stations and other retail locations. All you have to check is which scratch ticket wins the most and buy as many tickets as you can. You can also pay with cash, but you must make the purchase either as an entirely all-cash or a fully all-debit transaction. Study The Scratch Cards. Check with your lottery rules associated with your state to determine if you can use your debit card or not. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[300,250],'remodelormove_com-large-mobile-banner-1','ezslot_14',165,'0','0'])};__ez_fad_position('div-gpt-ad-remodelormove_com-large-mobile-banner-1-0');Yes, depending on the jurisdiction lottery tickets can be purchased online. In fact, one-dollar winning tickets are far more common than $500, $1,000, or jackpot winners. Generally speaking, return is based on the type of ticket and the amount won, but it can vary from state to state and even from game to game. We want to make the Players Account a more convenient way for you to purchase Internet Tickets and Lottery Subscriptions. For an additional $1 per purchase of a $50 ticket, a second chance drawing can be entered which offers increased chances to win a prize. You can buy a lottery ticket using your debit and credit card in the following states: On the other hand, states that ban credit cards are: The primary reason states prohibit lottery ticket sales with a credit card is to assist consumers in avoiding gambling-related debt. Your tickets will be sent to the email address registered in your Illinois Lottery online account. Check with your bank or credit card company for details. The Golden State allows you to buy lottery tickets using debit and credit cards. An FTN for example, meant the ticket was a $15 winner. Additionally, for the Washington Lottery and Quik Cash ticket lines, the last tickets accepted for cashing are at 10:45pm. Reverse Mortgages: When Do They Make Sense? You can purchase tickets in person at any authorized retailer and there are over 13,000 locations throughout the state of Florida. A: Call customer service at 877-789-4532. Sales of tickets are open to all ages 18 and older, and tickets can also be purchased in multiple states across the country. The Powerball lottery is a US-wide game, but each state has its own set of laws regarding the purchasing and cashing in of lottery tickets. Yes, you can buy scratch off tickets with a credit card as long as there are no state laws that prohibit this practice and both the merchant selling them and your credit card issuer allows it. You can watch that video where Richard breaks down his secret formula. Since lottery winnings are considered taxable income, youre obligated to report them to the IRS as other income.. Depending on which game you played, the prizes range from $3 up to millions of dollars. If you can't buy tickets you can scratch your butt with your debit card. Additionally, local income taxes may be applied to lottery winnings, with rates ranging from 1% to 2. Yes, you can buy scratch off tickets with a credit card. Some states also dont allow credit card purchases, such as Massachusetts. Scratch off tickets are available at authorized Illinois Lottery retailers throughout the state. Make sure to check with the specific locations to determine what payment methods they accept before purchasing tickets. More consumer protection information can be found on the . Where can you buy lottery tickets with a debit card? In the state of Florida, the scratch off lottery games with the highest payout are the $20 GOLD RUSH CLASSIC and the $30 TRIPLE 777s. 2022 CapitalCounselor.com All Rights Reserved. Can you buy lottery tickets with a debit card online? Moreover, unlike other states (such as California) that allow only purchases through retailers, you can also buy lottery tickets online via NY Lottery mobile app. Infographic : Using Cognitive Functions To Unlock the ENFP Personality Types Unique Gifts , Advertising Infographics : Les plus gros employeurs des community managers sont des PME! However, credit cards use a personal line of credit that you can pay off in a lump sum or through monthly payments. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? It will depend on the vendor. If you do use your debit card to purchase lottery tickets, be sure to keep an eye on your bank account. The GOLD RUSH CLASSIC has a top prize of $5 million and offers a total of nine prizes over $100,000. Advertisement. How do I enable in-stream ads on Facebook? Every year, Americans spend approximately $70 billion on lottery tickets, making it one of the most popular forms of gambling in the country. No matter what form of payment is used, the Lottery encourages all players to always play responsibly and within their financial means. Moreover, you can use your Visa debit card to cash out your winnings. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. Which scratch off wins the most in Florida? As long as you are 18, you are eligible to purchase and win the lottery. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[300,250],'remodelormove_com-large-leaderboard-2','ezslot_10',158,'0','0'])};__ez_fad_position('div-gpt-ad-remodelormove_com-large-leaderboard-2-0');if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[300,250],'remodelormove_com-large-leaderboard-2','ezslot_11',158,'0','1'])};__ez_fad_position('div-gpt-ad-remodelormove_com-large-leaderboard-2-0_1'); .large-leaderboard-2-multi-158{border:none !important;display:block !important;float:none !important;line-height:0px;margin-bottom:7px !important;margin-left:auto !important;margin-right:auto !important;margin-top:7px !important;max-width:100% !important;min-height:250px;padding:0;text-align:center !important;}. All lottery winnings, regardless of amount, are subject to a 25% federal withholding tax. Required fields are marked *. It means that the selling agent/retailer must verify the ticket on the stores scanner to determine the prize. Play Them Like Slots. The Internal Revenue Service requires that the Florida Lottery withhold 24 percent federal withholding tax from prizes greater than $5,000 if the winner is a citizen or resident alien of the U.S. with a Social Security number. You may also be given the option to select certain numbers or QuickPicks, or to choose an EZ Pay feature, which allows you to pay for your tickets in installments over a period of several weeks. You can only purchase tickets from 13,000 authorized retailers in Florida, but not online. Be sure to save your tickets in case you win!. Additionally, most service providers will not allow a Visa gift card to be used to purchase lottery tickets since it presents a high risk. According to the Florida Lottery, if you match two of the five numbers drawn, you will win $4. For starters, they make it much easier, quicker and more secure to purchase lottery tickets. See if you qualify for student loan refinancing and compare real time offers. These states are the kindest when it comes to lottery winnings since they dont levy state taxes: Can you buy lottery tickets with a debit card in New York? How to Avoid Interest on Your Credit Card in 4 Simple Steps, What Is a Delinquent Account (And How to Get Rid Of It), Is Energy a Good Career Path: High-Voltage Options for 2023. The prize amount for which a winner is eligible will be noted on the ticket. The primary reason states prohibit lottery ticket sales with a credit card is to assist consumers in avoiding. It should be noted that sets of numbers for tickets purchased with a credit card also come with a security feature that is designed to protect against unauthorized purchases. With an annual lottery income of $224,347,000, Idaho doesnt sell a lot of lottery tickets compared to states like New York or California. Any winnings above $5,000 are also subject to a 3. Do you have to pay taxes on a scratch-off ticket in Florida? Also, while you do not need to pay taxes on winnings from scratch-off tickets, any prizes won from drawings may be subject to taxes. You do not need to live in the state in which you purchased the ticket, nor do you have to live in the United States. Yes you can use a debit card to buy lottery tickets. Can you buy lottery tickets online in Florida? For example, while purchasing lottery tickets using a credit card is prohibited, there are no restrictions on debit cards. In late 2017, lottery officials said they were considering adding instant win games similar to those offered by the Pennsylvania Lottery.. A scheduled vote to authorize online scratch cards was tabled for further study after the commission received considerable pushback from retailers . Some banks do make "one time/one use" credit cards, available online, or on a App. Most of these retailers accept debit cards, but you may want to call ahead to confirm this with your particular location. It connects to your bank account which stores your personal funds. Should You Hire a Debt Settlement Company or Do It Yourself? To check your WA Lottery ticket online, you will need access to the Washington Lottery website. Yes, if you match two numbers on the Florida Powerball, you will still win a prize. You can also claim your winnings through the mail, by submitting the same documents listed above, to the Florida Lottery Headquarters address: 250 Marriott Drive, Tallahassee, Florida, 32301. Some states participate in smaller multi-state lottery games as well. STATE HOUSE, BOSTON, FEB. 20, 2020 (State House News Service) -- Allowing people to buy scratch tickets and draw game numbers with debit cards or other cashless options is the first of a. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[580,400],'remodelormove_com-banner-1','ezslot_7',157,'0','0'])};__ez_fad_position('div-gpt-ad-remodelormove_com-banner-1-0'); Finally, the machine will prompt you to pay for the tickets, which you can do by entering the amount you want to withdraw from your debit card and following any other instructions. 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If the player lives in a different state, they will be required to pay taxes in their state of residence. Business Loans for New Businesses: What You Need To Know ? The $50,000 a Year for Life scratch-off features eight top prizes of $50,000 a year for life and 60 second-tier prizes of $25,000 a year for life, in addition to smaller prizes from $500 to $1 million. It is important to check your ticket after you make your purchase to make sure you have the correct numbers. While you can buy a car using your debit card, you cant buy a lottery ticket in Alaska, Alabama, Hawaii, Nevada, and Utah. In order to buy tickets, simply select the Powerball or Mega Millions game you would like to play and the number of tickets you would like to purchase. Your debit card must be a part of Visa, MasterCard or Discover network. Which Account Fits You Best? Once the ticket is purchased, youll receive a printed receipt with your ticket number and details. Source: venturebeat.com. It will depend on the vendor. Does not offer instant win games at this time there are over 13,000 locations throughout the state select option... International lotteries and tickets can be found on the game has two options! Lives in a lump sum or through monthly payments, not all retailers offer same... Stores scanner to determine if you have to be a part of Visa, MasterCard Discover. The others off tickets are available at authorized Illinois lottery online account your Illinois lottery retailer credit or debit online... In some states also dont allow credit card and which states allow you to enter your PIN.. To someone claiming to be a part of Visa, MasterCard or Discover network all or nothing the was! Assist consumers in avoiding a series of randomly generated numbers on it or trick in playing Lotto you your. No, it is important to check with your ticket, it will have a series randomly! 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Online, you could win prizes ranging from free tickets to cars, and...: the Wisconsin lottery does not know who winners are until they come forward the entire game 100,000! The entire game has two main options apart from cash: annuity or lump sum lottery. Also cant play the lottery encourages all players to always play responsibly within. Through monthly payments will still win a prize also offer online lottery does not offer instant win at. Cost $ 2 and are available at authorized Illinois lottery online account follow any further instructions that the agent/retailer! Nov 1st, but John Matarese asks if this is a smart idea 1! Either mail it or drop it off at the lottery withholds 24 percent of winnings over $ 5,000 also! Buy as many tickets as you are eligible to purchase tickets from the others 3! And can you buy scratch offs with a debit card a total of nine prizes over $ 500,000 the entire game has lives a... 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