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How to win big on the lottery

Cliff D'Arcy
by Lovemoney Staff Cliff D'Arcy on 24 November 2009  |  Comments 39 comments

The National Lottery is 15 years old this month. Cliff D'Arcy explains how to beat the odds and win bigger payouts.

The first draw National Lottery took place on 19 November 1994, so the Lotto turned 15 this month. Do you remember the media frenzy at the launch and the excitement when the first six numbers were drawn? Since then, Camelot has gone on to create 2,300 millionaires, or roughly three per week.

Why governments love lotteries

Although we've had a National Lottery in the UK for a decade and a half, the origins of lotteries go back centuries, even millennia. The first lottery slips have been traced back to China more than 2,200 years ago.

Modern national lotteries often came about as a way of raising money for European governments to fund their wars. The first state-sponsored lottery in England was drawn in 1569, during the reign of Queen Elizabeth I.

No matter what the country, lotteries attract criticism. As a form of gambling, they come in for a lot of flak, especially from religious groups. Nevertheless, governments count on legalised, taxed lotteries, as they bring guaranteed profits into a nation's coffers. For example, Camelot collects about £5 billion a year, of which £600 million (12%) goes to HM Treasury.

You cannot beat the odds...

As a (lapsed) mathematician, I regard lotteries as a tax on people who are bad at maths. This is because they produce handsome returns to the organisers, but awful returns to the players as a whole.

Take the UK's most popular lottery, the Lotto, which takes place twice a week (on Wednesdays and Saturdays). From a total of 49 balls, six balls plus a further 'bonus' ball are drawn. Here are the odds for these draws:

Balls matched

Odds

Percentage

odds

Any win

1 in 54

1.9%

3

1 in 57

1.8%

4

1 in 1,033

0.097%

5

1 in 55,492

0.0018%

5+Bonus

1 in 2,330,636

0.000043%

6

1 in 13,983,816

0.0000072%

As you can see, the odds of winning any prize are 1 in 54, or just short of 2%. Thus, 53 out of 54 Lotto tickets are thrown away. By far the most likely outcome is that your £1 wins you nothing from one week to the next.

What's more, only half of the stake money is paid out in prizes. Thus, with average luck, you should expect to lose at least half (50%) of all the money you bet on the Lotto during your lifetime. If you don't get lucky and win big at least once (matching five or more balls), then expect to lose more than four-fifths (80%) of your stake money.

Note these odds are firmly fixed -- and there is no way of beating them, as the numbers are drawn randomly. Hence, it is absolutely impossible to use any technique to increase your odds of winning (other than the mug's game of buying even more tickets).

Then again, there are ways to boost your returns by exploiting other players' weaknesses.

...But you can beat other players

Seven in ten adults play the Lotto, so most people happily ignore my advice not to be fooled into playing. Nevertheless, if you do like the odd flutter, what can you do to improve your returns? Here are three things to try:

1. Pick some numbers over 31

Every combination of six numbers has an equal chance of winning a prize, so there is no point in favouring one sequence of six numbers over another. However, gamblers are a superstitious lot and, both in the UK and overseas, they often pick their weekly numbers using family birthdays.

The flaw with this approach is that the range of birthdays runs from 1 to 31 (the days of the month). Hence, using only birthdays to pick numbers makes it impossible to win the big one if one or more numbers from 32 to 49 are drawn.

Thus, to increase your chances of scooping a big jackpot on your own, be sure to pick a few numbers above 31. While this won't increase your chances of winning, it will help to improve the odds that you don't share this huge windfall with too many other punters.

2. Play next month's Superdraw(s)

Occasionally, Camelot announces special Superdraws which promise bumper jackpots. Given that we're coming to the end of the first decade of the 21st Century, I suspect that one or more guaranteed Superdraws is on the cards in December.

The prize pots for these special draws are boosted by Camelot's accumulated reserves, so they provide a bit more bang for your buck. So, look out for a Christmas or New Year's Eve Superdraw...

3. Go for a Rollover

If no-one wins the jackpot in a Lotto draw, then this prize fund rolls over until some lucky punter scoops the accumulated pot. Given that the jackpot accounts for more than half (52%) of the total prize fund, two or more rollovers can build a jackpot of £10+ million.

Camelot heavily advertises rollover draws, which leads to a flurry of ticket buying and, hence, an even bigger jackpot. Therefore, if you must have a flutter, then buy tickets only for double, triple or higher rollovers. If by some miracle, you win the jackpot, then it will be like scooping two or more draws in one go.

The best odds: don't play

Once again, it's impossible to overcome the basic, humble arithmetic of the Lotto. I find it helps to think of a £1 ticket as nothing more than a 50p stake in the prize fund. Thanks to this, players lose £2½ billion a year by playing the lottery.

Thus, instead of dreaming about winning a million, try working, saving and investing towards this goal. After all, the odds are that you're more likely to die while reading this article than you are to win the next Lotto jackpot!

More: Start saving or investing today | Earn six times as much interest | Get your foreign currency here

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Comments (39)

  • vivretired
    Love rating 5
    vivretired said

    I would be interested to know if there are any differences in the odds of winning (anything) on the each of the different lottery games - eg euromillions, dream number etc. Does it actually make ANY difference which one you buy?

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  • JRAY100
    Love rating 50
    JRAY100 said

    At odds of 1 in 13,983,816 it is technically possible to beat the system. If every possible combination of six numbers is purchase AND the payout has rolled-over to greater than £13,983,816, then... ...a syndicate, say £1M each!

     

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  • pm67
    Love rating 1
    pm67 said

    Well done, it's all sound advice. :)  If you do insist on buying some dreams for a few pounds (and do consider that as lost money!) then play the Lucky Dip or make up your own random draw in order to avoid the birthday effect.

    Vivreretired: yes, there are some differences in these odds. I think you can find these in the fine print.  (Or one can calculate them with some knowledge of combinatorics.)

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  • Mysterydave
    Love rating 0
    Mysterydave said

    Until you share with x amount of other winners

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  • peterw99a
    Love rating 0
    peterw99a said

    This would only be true if the syndicate was the sole winner - if someone else also got it, then the syndicate would only et half the prize; each member would invest £1M and get a return of £500k!

    It is the old chestnut - how do you make a small fortune on the lottery? Start with a large one!

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  • stand
    Love rating 0
    stand said

    i wonder how long it would take to put 13 million tickets on lol

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  • sarahrchds
    Love rating 9
    sarahrchds said

    If you play the lottery, any lottery, it's best to think of the money you spend as just that, a spend for which you buy some dreams, some happy moments thinking about what you'd do with the winnings if you won. For me as a pensioner it's the only way I ever even might become a millionaire. So I play a few lines a week, and count the spend as spent money. If I were to win, I could improve several people's lives: chances are I won't, but I'm content with that. My advice: don't long to be a millionaire, just have a bit of fun. Longing can be destructive: fun isn't.

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  • RocketSteve
    Love rating 30
    RocketSteve said

    Proof here that the government is daft about raising taxes: '12% goes to the treasury.' 

    As for the past 14 years and from next year of the lotto running, VAT has been at 17.5% (VAT increased in 1991). Since the UK public are not saving we must be spending so that £1 not spent on a buying a ticket but spent on goods would generate 17.5% for the treasury (14.89p for every £1). More if that £1 gets spent on fuel (not domestic), booze or cigarettes.

    If people were so disciplined to save that £1 and not spend it then not playing the lotto would make sense, but clearly the vast majority would spend it on food they don't need or on other higher taxed items.

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  • Swarbs
    Love rating 273
    Swarbs said

    RocketSteve true, but if the money gets spent on other forms of gambling, i.e. bingo, horse racing, football gambling etc, the government gets a much smaller percentage of the money, as their share comes out of bookmakers' profits, not the total amount wagered. I guess the true benefits will depend on how many people use the lottery as a standalone gamble, and how many have substitutes spending on the lottery for spending on other tax free at the point of sale forms of gambling.

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  • junitra1
    Love rating 2
    junitra1 said

    You can win lifes lottery for very little....just buy a pair of trainers if you dont have them , and walk or run or just move about but above all keep active .

    Turn off the TV(sometimes and get active) .  It will pay dividends and provide you with a better return) Someone once said that you cant buy good health , but I suggest that you can go a long way to it with the right supplements such as Co enzyme q10, resveratrol , krill oil etc etc

    Any way off to spend my pound on you know what but at least I am walking there.(if I can get off this computer!!)

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  • Mike10613
    Love rating 599
    Mike10613 said

    I think the best way to play is to have a syndicate and save your money every week and only play when the jackpot is over £15,000,000 in a rollover or superdaw. The most annoying thing about the lottery is value for money. It was better value for money when it first started with one draw and a little excitement on a Saturday night. Now only masochists watch the draw on a Saturday night; it is truly an awful programme and whoever devised it needs shooting and putting out of their misery. I watched a little television last night for 10 minutes after a film finished and it was "reality" TV, with people like Katie Price; who is so boring. Although, she does have the right idea when it comes to making money;pander to the terminally stupid. People who complain that the lottery makes lots of money for the government forget that mobile phone companies paid £20 billion for the licences to use the airwaves when the government put them up for tender. So every call we make is subject to that paid in advance stealth tax. It's not so bad though, at least it's avoidable and so is the lottery. All taxes should be avoidable. Remove tax from housing, food, heating, clothing and making money and tax everything else. Then we would have a fairer society and less poverty with food relatively cheap and no pensioners freezing in winter. Putting car tax on petrol would help people with disabilities get around too and penalise the long distance commuters. A sensible tax regime would be better than the lottery giving to so called "good causes". Is the 2012 Olympics really a good cause? Will visitors go home after the Olympics saying London's great; love the congestion charge!

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  • lindleytvr
    Love rating 8
    lindleytvr said

    I play the lottery a couple of times a week for the fun of it! For that small buzz of, maybe, winning a little.

    Yes I spend a little on it, but as I hardly drink, don't smoke, don't borrow money (apart from a very small i.e. under £30k, mortgage), drive less than 5,000 miles per year and grow my own veg etc, the lottery is a bit of fun. At the moment it costs me nothing as I play online and my lottery account is slighty in credit (only about £12 but that's enough for few weeks' tickets). In fact, I haven't had to pay any money into my account for months as the odd £10 won is kept in the account to fund further tickets and only when it's above . If you're disciplined and accept that the money is spent (as opposed to saved), it's fine.

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  • patbell101
    Love rating 1
    patbell101 said

    Yes, its a fools game, so little chance of winning, a 'tax' on the poor hopeful masses. But I have found a foolproof way to boost my chances of winning... buy a ticket! I give so much money in tax, and since that can change by £20 or more as my tax code changes whats £5 a month? Standing order get it autochecked, no stress - I only occasionally check myself and then for the last 6 months just in case. But NEVER get tangled up in the emotion of it, if you win it'll be a fantastic surprise if you lose, its no more than a couple of pints you didn't have down the pub. If you enjoy the stress of losing - good for you. Me? Its money I never had and dont miss

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  • kittzy
    Love rating 32
    kittzy said

    Well, i for one spend my £2 a week happily, you cant dream of winning if you don't buy a ticket. I have many dreams, i even get value for money by varying the amount. My biggest pleasure is paying off everyones mortgage, changing lives for living, being able to invest suffient amount of money so that our local ark can run off the interest and never beg for help again. I would like to be a full time secret millionaire.

    I do have a few selfish dreams, the usual, design ones own home, visit the fat farm, see the world and indulge my passion for pottery, cooking etc.

    Apart from that, i'm happy to have paid my few pounds towards making 2,300 millionaires and all the many thousands of people and causes that have also been helped since the lottery began.

    All in all money well spent :)

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  • deborah007
    Love rating 1
    deborah007 said

    Well said kittzy - that is how I view it.

    We buy one ticket each on a Wed, Fri and Sat so spend £4 a week between the two of us. That is a small price to pay for the happy dreams I have of paying off the mortgage on mine and my family's homes, going on a long, long cruise, working because I want to rather than because I have to, owning a racehorse, funding a cure for cancer etc etc etc

    There is no way that I have the drive to become a millionaire through hard work and I don't have the voice or the figure to do it through publicity or reality television so the National Lottery is the only chance (HOWEVER TINY) of ever having that sort of money.

    Having said that when I win a tenner I am happy!

    D x 

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  • gola
    Love rating 4
    gola said

    By all means try the lottery if you can afford a few pounds every week, as I do. But tell yourself that if you've got your health you've already won !

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  • crosby99
    Love rating 1
    crosby99 said

    "I would be interested to know if there are any differences in the odds of winning (anything) on the each of the different lottery games - eg euromillions, dream number etc. Does it actually make ANY difference which one you buy?"

    You can work it out yourself. Odds of winning the National lottery :

    You can choose any 6 of the 49 numbers, thus 6/49 = 0.122

    Then you can choose any 5 of the remaining 48 numbers, thus 5/48 = 0.104

    Then you can choose any 4 of the remaining 47 numbers, thus 4/47 = 0.085 etc etc

    So, the odds are :

    6/49 x 5/48 x 4x47 x 3x46 x 2/45 x 1/44 = 0.000000071511

    Divide 1 by that figure and you get 13,983,816

    You can do these calculations with any lottery

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  • Iamcoldsteve
    Love rating 308
    Iamcoldsteve said

    I don't do the lottery, nor do I dream of becoming a millionaire (if I did I would probably do the lottery too).

    At the same time I don't condemn people who do participate, it is entirely up to them. The only downside is that some people get fixated on winning, or see it as the only way out of their current problems / life limitations and then it can become a problem.

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  • oldsoldier
    Love rating 0
    oldsoldier said

    Today's lotteries are boring and a waste of money.  Bring back Football Pools and Radio Luxemberg's Horace Batchelor of Kaynsham. I never won, but the mechanics of choosing the results and filling in the form, giving it to the collector, listening the results on the wireless and then folding the form over and over into a spill, was much more exciting.    oldsoldier  

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  • gola
    Love rating 4
    gola said

    old soldier reminds me of a cartoon I saw many years ago when the football result came through on the radio at 5.30 p.m. In the first picture the clock on the wall showed the time to be 5.25 and the thought bubble showed the man in the picture driving a Rolls Royce. In the second picture the clock on the wall showed the time to be 5.35, and the same man was seen mending a puncture on the wheel of his bike !

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  • famelessfish
    Love rating 1
    famelessfish said

    oldsoldier has it right, of course. But Football Pools required a small element of skill and (so) were systematically destroyed by the (Major) government's introduction of unfair competition strongly in favour of the lottery (e.g. allowing 16-year-olds to play, giving free advertising by building a peak-time "show" around the results, which "co-incidentally" produced bigger wins after the football pools results, known a few hours earlier, suggested they might have a jackpot. But I digress.) At the time, incidentally, Football Pools companies paid about 43% OF THE POOL, not their profits, to the government coffers, which gives you an idea of how the VAT effect mentioned before might have suffered.

    As to improving the odds, apart from the birthday range mentioned in the article, there are a number of other suggestions to maximise your returns if you win:

    1. don't play patterns. 1,2,3,4,5,6 was chosen by at least 10,000 people according to Camelot's own info soon after the lottery came into existence. This extends to ALL other regular sequences, e.g. 5,10,15,20,25,30 or even from a "different" start number like 7,15,23,31,39,47. Back in the 1960s, I believe there were 8 draws in the first 11 fixtures on the Football Pools one week and the companies paid something like 2s6d one dividend only, because so many people had chosen those numbers.

    2. consider not just birthdays, but years. 46 is a very popular number because of the number of people born in that year following the end of WWII. Similarly, 39 is unpopular, because of the connotations of that number with the outbreak of WWII. From the best of my failing memory, I think it's the Canadian lottery that publishes such info.

    3. avoid "lucky" AND "UNLUCKY" numbers. 7 is a no-no and similarly 13, as in that case people think they're being clever by choosing a number "no-one else will"

    Other strategies to guarantee a return are available, using plans akin to those used by the Football Pools, before Littlewoods were allow to have a monopoly and do all they could to stop punters using them.

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  • buysellrent
    Love rating 0
    buysellrent said

    With reference to Deborah007's comment earlier....

    'There is no way that I have the drive to become a millionaire through hard work and I don't have the voice or the figure to do it through publicity or reality television'

    Deborah, you dont have to work hard to become a millionaire and you dont need a good voice or figure. There are lots of people out there that make a million just networking from their own bedroom.

    Have a great day !

    ADRIAN

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  • poshpaws
    Love rating 0
    poshpaws said

    I think of my ticket as a week of dreams and cheap at the price compared to the price of a pint which just goes into the sewage system in a mater of an hour or so ;-)

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  • Nickolarge
    Love rating 4
    Nickolarge said

    The often quoted 14 million to 1 chance of winning is a typical mathematicians figure which is, at best, misleading. It only represents the chance of one line winning the jackpot in one draw. If those odds applied to the lottery since it started, based on the number of folk who play, there would only have ever been a couple of jackpot winners. There have actually been hundreds.

    It is possible to greatly reduce the odds against you in some draws by using strategies. By only selecting numbers from 25 to 49 your chances are much better on the days that all the balls are 25 or above. This happens more often than you might think. By selecting a couple of 'bankers' in a series of lines you have a good chance of multiple smaller wins and perhaps a big one if your two bankers are drawn. Using this system I once had three £10 wins and one 4 + the bonus ball on a single seven line ticket. I had all seven numbers drawn somewhere on that ticket but sadly they didn't quite fall right for a big win.

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  • mambach
    Love rating 33
    mambach said

    It is possible to get a virtually guaranteed win from the lottery. It just takes some investment and a bit of creative thinking.

    First ensure that you belong to a minority. Any one will do - female, Asian, disabled are good, but dwells-in-inner-city or speaks-two-languages will do.

    Now start a charity to support 'people like me'

    Now pay a funding consultant a lot of money (this is the invesment part) to write your funding application / beg / sleep with panel etc to get you application approved.

    = Profit.

    Either that or go work for the Opera House.

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  • mambach
    Love rating 33
    mambach said

    All joking aside, I was able to 'win' back when the lottery was introduced.

    My local arcade was desperately trying to compete with the lottery - offering £1 tokens every day for about two months. Walk in, sign your name, get your token (and hopefully stay and play). But nothing in the T&c said you had to spend it right away. So I and a coupla mates went on the way to college every day, and when we'd got about £50 worth of tokens, we went and spent them all in one machine until we started getting tokens back out, then moved to the next one.

    We only won about £20 net, but we also got a free afternoon of entertainment (£50 is a lot of rolls at 5p a pop)

    A number of casinos and arcades have offers like this to tempt you away from the lottery - especially the smaller independant ones.

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  • Gersemi
    Love rating 0
    Gersemi said

    I'm interested in the oft quoted statistic that you're more likely to die while reading this article (or similar activity) than win the lottery. Is this really correct? I don't mind betting this statistic is derived from the chances of a random person dying in a set period of time. But most people who die will be in bed (eg in hospital) etc. I bet not many people die while surfing the net! I don't know anybody who has . . .

    Just goes to show you can prove anything using statistics.

    Gersemi

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  • The Bank Manager
    Love rating 72
    The Bank Manager said

    Interesting article and for those of us without an addiction, it's just a lucky chance flutter. After all, if you don't take part, you don't have a chance of winning at anything in life.

    Oh, by the way, you say, "Given that we're coming to the end of the first decade of the 21st Century", you have made an error as actually, the end of the first decade will be 31st December 2010!

    Happy gambling one and all!!

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  • diwali
    Love rating 0
    diwali said

    It's not often I read all the comments for an article but they (and the article) were most interesting.

    However, the last one from Bank Manager has me confused:

    1st January 2000 to 1st of January 2010 is 10 years. is that not a decade?

    Cheers

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  • sicilian
    Love rating 0
    sicilian said

    Yes diwali - it is a decade. But it consists of one year in the 20th century and nine years in the 21st century. There wasn't a year zero. The 1st century began with the year 1, so the 21st century began with the year 2001. All those celebrations at the end of 1999 were a year too early.

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  • snowchick
    Love rating 11
    snowchick said

    Can anyone tell us the odds of winning the Premium Bonds? I suspect the odds are better then the lottery and you still get to keep your pound/s. Plus there are smaller prizes (OK so I have only won #25 in a year but thats a better rate of interest than I would have received in a bank). I still have a dream that I may win the biggy and I would spend it on..... zzzzz.

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  • ripvanwinkle44
    Love rating 0
    ripvanwinkle44 said

    Talk of odds and percentage odds is almost meaningless. I used to enter 5 lines in every draw until I realised that according to the "law of averages" I could HOPE to win the jackpot ONCE in 26,799 years.

    However all 5 sets of numbers could be drawn in the next 5 or the last 5 draws of the next 267,991 years, and even that is not guaranteed, knowing my luck they would NEVER come out.

    So now I enter 1 line and pay by direct debit monthly, and occasionally buy an unlucky dip as I know that if I'm meant to win I can only do so by buying tickets.   

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  • jrfuller
    Love rating 1
    jrfuller said

    The disadvantage of choosing numbers 1-31 has been mentioned above, but was demonstrated perfectly tonight when all the winning balls were in this range. Four correct numbers wins a mere £19, compared to the usual £50 or so. And despite being a rollover, the jackpot was £850,000, so clearly shared between many winners.

    Clearly to be in with the chance of big wins, I should select numbers over 31.

    However, I decided very early on that I would not choose the same numbers for every draw - since I would hate to miss buying a ticket one week and then recognise the sequence of winning numbers! So its lucky dips for me I'm afraid.

    And by the way, don't you hate those winners who say it won't change their life? If winning wouldn't change your life - what's the point in buying into the dream?!

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  • dugthebug
    Love rating 1
    dugthebug said

    Predicting the Lottery the Mathematical Way

    While trawling through a maths / statistics course at the Open Learning Centre of the company I once worked at as an engineer for, I made an interesting discovery which I would like to alert the general lottery ticket buying public about. Basically, the results of my research showed that:

    . The lottery is "predictable".

    . There are lottery numbers "worth doing" and "not worth doing".

      . It is possible to identify groups of lottery numbers not worth doing.

    . There could be as many as 5,000,000 lottery numbers not worth doing.

    . If punters picked only lottery numbers identified as "worth doing" they would instantly improve their odds of winning the jackpot (14,000,000:1 down to 10,000,000:1).

    14,000,000:1 down to 100,000,000:1 may not seem like much of an improvement but it translates to more jackpot winners sharing the jackpot each week and fewer roll-overs.

    So how do you identify lottery numbers worth doing and not worth doing?

    First, add up your 6 lottery numbers to get your "lottery total" (ignore the bonus ball) then perform this simple check:

    (Nb. set SIGMA equal to 32 and perform substitution)   

    . If your lottery total lies between (150 minus SIGMA) and (150 plus SIGMA) your lottery numbers are definitely worth doing.

    . If your lottery total is less than (150 minus 2 times SIGMA) or (150 plus 2 times SIGMA) your lottery numbers are NOT worth doing

    . Anything in between, obviously the closer your total is to the totals identified as "worth doing" the better.

    Note: Students of mathematics and statistics will be familiar with the term SIGMA and "Standard Deviation".

    Traffic Light System

    . Green light if your lottery total is between 118 and 182, your numbers are worth doing.

    . Red light if your lottery total is less than 86 or greater than 214, your lottery numbers are NOT worth doing.

    . Amber light if anything in between, think about changing your lottery numbers      

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  • dugthebug
    Love rating 1
    dugthebug said

    Whoops, made a mistake above. Just as well I spotted it in time.

     

    . If your lottery total is less than (150 minus 2 times SIGMA) or (150 plus 2 times SIGMA) your lottery numbers are NOT worth doing

    should say

     . If your lottery total is less than (150 minus 2 times SIGMA) or greater than (150 plus 2 times SIGMA) your lottery numbers are NOT worth doing

    (Traffic Light System statements are correct though).

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  • Mike10613
    Love rating 599
    Mike10613 said

    The comments are good on this one.

    The guy who prayed to God and asked to win the lottery got a reply. God said,"Have you ever thought about buying a ticket?". lol.

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  • SANDYD
    Love rating 0
    SANDYD said

    The lottery is meant to be a fun bit of a flutter, surely !

    I am not going to critisise where the money goes or go to extreme lengths to calculate the odds of winning. I just don't think about it like that.

    If you get annoyed with it all or think about it too much, its no longer fun!  Its there for all of us and so if you don't agree with the way its run or the causes,  then don't do it.       I don't think anybody would be complaining if they won the jackpot.

    If I win anything its a bonus.  Like any gambling, don't bet what you can't afford to lose.   

    Report on 28 November 2009  |  Love thisLove  0 loves
  • Nosht
    Love rating 0
    Nosht said

    I regard my lottery purchase as a charitable donation; if I win that's a bonus & the charities would benefit too as I would donate more to them.

    Regards,

    N.

    Report on 29 November 2009  |  Love thisLove  0 loves
  • glenvellyn
    Love rating 0
    glenvellyn said

    Can't even win a tenner anymore, thinking a giving up.

    Report on 13 December 2009  |  Love thisLove  0 loves

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