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Not so long ago if you were not a massive corporation then the dream of launching an online casino would have probably remained a fantasy. The high start-up costs have enabled large corporations to monopolise the market, pushing out smaller companies that could not compete with large scale investments.
In recent times things have changed for the better in terms of consumer choice, industry competition and innovation with the appearance of white label and platform providers, who are now capable of outputting a new online casino site in matter of weeks and at a significantly lower cost. Outsourcing has successfully eliminated the hassle and expense of launching a new brand, and the number of operators turning to white label solutions is constantly rising.
If you were thinking of launching your own casino brand, understanding the process is vital, and if you are thinking of playing as a customer with these sites it is important to know who provides what and who is liable. This article attempts to provide the most important details about white label solutions, from the definition of the term, to the in-depth explanation of functionality and advantages that the service offers.Major Players In The Online Casino World
For those at the very end of the supply chain, online gambling is simply a means of recreation or an extra source of income. At its core however, online gambling is a complex process, which relies on the following entities:
*Software Developers – Provide the games
*Platforms Providers – Provide the player interfaces
*Gaming Sites – Offer the service to the customer
Obviously, someone needs to create a game before we get to play it. The process requires a multi-disciplinary team consisting of game designers, marketing people, mathematicians, front-end developers, server developers and game testers, each doing their own bit to turn an idea into a marketable slot, poker, roulette or blackjack game.
Once their job is done, the product has to be made available to end users. In the physical world, the producer will load the gaming cabinets and tables onto a truck and have them delivered to a land-based casino. In the virtual world, the final destination is a gaming website which hosts the operator’s in-house developed software, re-branded content, or patented games supplied by outside developers.
Of course finding games suppliers is relatively easy, actually providing those games on a platform is more difficult if you have to build it yourself, as big budget brands do. It also takes a lot of time to make.
Microgaming, NetEnt, Playtech and RTG are some of the game suppliers that have also developed platforms with user-friendly interfaces. Some other companies offer complex software solutions with integrated games from multiple suppliers, with or without their own exclusive range, charging a fee for accessing the platform and the content.
For those who are trying to set up an online casino from the scratch therefore a white label platform is the quickest fix for a lot of issues that are bound to emerge – lack of expertise, funds, technical knowledge, and time.What is a White Label Casino?
A White Label is a specific product or solution that a provider creates with an intention of leasing or selling it to other businesses, which will then re-brand it and market as their own (hence the name “White Label”).
In this relationship, both parties in theory win. The service providers can focus on producing the best possible solution for their clients, while the marketers are free to invest extra time in promoting and marketing the product.
The same principle works equally well in the online gaming world. The white label provider is responsible for set-up and operations at the technical level, while the client takes care of branding and marketing. Each party takes a cut of the profits.
You may or may not have noticed that plenty of new online casinos operate with a white label solution. Apart from the two obvious reasons – efficiency and lower operating costs – the service also involves customisation, and the consumer can collaborate with the provider every step of the way.
This will automatically eliminate any room for mistakes and shift the responsibility for gaming licence application to someone else (all products obtained by a licensed white label provider are usually covered by the same licence).White Label vs Turnkey vs API
Before getting into white labels and how they work it is useful to define the three types of services offered by platform providers:
*White Label – Fully managed, everything from games, banking, licences, support, design, hosting, etc., can be done for you. You provide designs and logos and select some features / options. Easy set-up, minimal operator infrastructure required and fast. Limited flexibility.
*Turnkey – Packaged product that can be sold to licensed operators. This can allow many aspects of a full white label; games, payment provision, design and support, etc. Has more flexibility but requires more operator infrastructure, risk and management.
*API – Standing for Application Programming Interface this is the minimal level of integration. Here an operator will have an existing platform and wishes to integrate gaming feeds, odds feeds, etc. This is more popular for established operators giving full flexibility to mix products from other platform providers with in house products.How Do White Labels Work?
Companies such as SoftSwiss, Nektan, EveryMatrix, ProgressPlay, etc, are known for their competitive and well-rounded white label solutions. It’s essentially a package which consists of the following:
*Gaming platform: a real money gaming platform that runs on desktop and mobile devices
*Gaming content: an assortment of different online casino games
*Tools for player acquisition and retention: campaign tools with a variety of welcome bonus offers and lifecycle promotions, supporting SMS, email and direct messaging
*Customer Service: multi-lingual customer support team
*Payment processing solutions: access to trusted payment providers that support both local and international payment methods
*Integrated anti-fraud and risk management modules
*Licensing: one or more gambling licenses held by the suppliers, which can be extended to the product user
*Business Analytics: real-time reporting and business intelligence
*Full technical and account manager support
While the white label partner takes care of all the details mentioned above (or some of those aspects if partially managed), the client’s primary task will be to choose the brand name and customise some of the design.
Once the gaming site is launched, the platform will run the daily operations and the brand itself will spend most time implementing activities aimed at attracting new players. The range of marketing activities will likely include, PR, SEO and content marketing, paid advertising, and affiliate marketing.The First Steps
To launch a full white label casino, the new operator will first need to explore the market and make inquiries with providers. In most cases, an email with a short explanation of the basic requirements should be enough. Like many things in life there are services providers who offer a range of options delineated by price and function and features.
It is a balance between setting up your brand as you want it with cost. You can have a fully managed white label with all the bells and whistles, but that will be expensive and many operators cannot afford that, at least initially while growing an account base.
Once a company has been chosen and an agreement reached the white label provider will set up the software platform and games, and they’ll develop a website design adjusted to the specific requirements. The casino owner’s site, located on the selected domain, will use the pre-determined brand name and logo, which must be in line with the existing design, layout adjustments and white label templates.
The quality of execution will depend on the budget as well as the provider’s proficiency; while some gambling sites are obvious clones, others may stand out thanks to the custom-built appearance and a variety of distinctive features. In other words, what you pay is what you get…
The provider will also take care of legal aspects, enabling the clients to operate under one of its online gambling licenses. They’ll let the operator use an existing financial infrastructure which includes popular payment systems with credit and debit card processing options. The gaming licence owner is also the one holding customer deposits, unless the clients are using ready-made turnkey solutions, in which case they will need to go through the gaming application process themselves.
To go from concept to set-up with a while label can take a matter of weeks to a couple of months whereas to set this all up from scratch could take years. You can see the obvious time benefit to new providers of using a managed platform, at least initially until they have time to develop their own.How the Profits Are Shared?
With white label casinos an average revenue share between the provider and the operator is usually around 15:85 percent.
BetConstruct, for example, charges a set-up fee of €15,000 for its Gaming Suite and €10,000 for the Casino Suite (at the time of writing). The revenue share for Betconstruct Turnkey solution is 10%, while the company’s White Label solution costs 30% of the partner’s proceeds.
While the advantages of using white label products cannot be denied, there are a few drawbacks to be considered. One of them is a limited control when it comes to the featured game developers, choice of games, website design, layout.
There is also the issue of splitting the proceeds, which will have to be shared between the operators and the service provider – at least until they are technically and financially equipped to maintain an in-house built software.
The distribution of revenue can also affect the players, since the luxuries (or, in this case bonuses and promotions) are usually the first victims of the budget cuts.
A white label solution will always be a compromise between getting a functioning brand up quickly with limited risk against producing the exact site and service wanted.Platforms vs Full White Labels
Rather than going for a turnkey solution, online casino entrepreneurs can use an existing platform and do the rest by themselves. There are numerous options to choose from, allowing the package to be integrated as a standalone solution inside a proprietary platform or have it fully serviced from inside the partner’s platform.
A third-party platform provider can offer hundreds or even thousands of casino games from various developers, smoothly integrated into a single lobby, along with value added services such as a game recommendation engine, bonus system, etc.
The main advantage of this approach is that the user will get to do things their own way – choose the game suppliers, operating licenses, banking solutions and the rest. Instead of negotiating multiple contracts with game providers, white label consumers will only need to negotiate one, skipping through years of development time and saving a ton of money thanks to the one-time fee.
Some of the providers will offer a choice between a white label and partially managed turnkey solution. While buying a white label package enables a client to operate under the provider’s licenses and use existing merchant accounts for payment processing, a turnkey solution requires that the operator applies for the needed licenses and make individual agreements with payment service providers, with the help of the turnkey provider. The client still gets access to the same pool of casino games and has more saying when it comes to website design and layout.Software Providers With Platforms
On the other hand, certain solutions, such as Microgaming Quickfire, enable the operators to easily gain access to the developer’s games, even if they run on a platform outside Microgaming Viper. At the same time, Quickfire users are able to offer products from other developers that have integrated their games into Quickfire – NextGen, Rabcat, Quickspin…
Playtech’s Open Platform enables licensees to access 600+ popular online and mobile games developed either in-house or by third-party suppliers. The package includes third-party wallet integration, on-going support, and more.
Realtime Gaming is another provider that goes an extra mile to deliver competitive solutions for their clients; their software comes with a range of support and back office tools which allow clients to manage acquisition, conversion and retention of players.
If you visit a few online casinos that feature exclusively RTG products, you’ll immediately notice a number of content and layout similarities, even though the company can tailor the products according to the client’s needs.Difference Between Platforms & Software
We’ve already mentioned that software providers are the ones creating content while platform providers facilitate its delivery to end users.
But even though the primary task of a software company is to develop casino games, some are also equipped to build the integration platforms. At the same time, platform providers can “dabble” with gaming software development, offering their own games, bundled up with the gaming portfolio supplied by other providers.
In the past, it was common to find online casinos utilising a single platform or a single game provider, but nowadays the players value large and diverse gaming catalogues and favour casinos powered by multiple vendors.
The challenge of interfacing disparate platforms and games is managed by building various API’s which allow multiple platforms to function harmoniously. Game developers that supply platforms create plug-and-play packages, which operators can use independently or with their existing systems.
Alternatively, the games can also be integrated into platforms owned and distributed by the fellow developers. Putting it plainly, the lines between software/platform providers are getting blurred, and, in the end, everybody benefits.Why Do White Labels Exist?
White label solution enables fast online casino setup without the legal hassle. Users will benefit from:
*Significantly shorter time to market
*Lower set-up costs
*Access to a multi-provider gaming catalogue through a single agreement
*Ready-to-use payment processing options
*No need to go through a lengthy and tedious process of license application
*No need to employ and train customer support team
All of the above facilitates the launch of an online casino brand on limited means. Even the companies that have funds and manpower prefer using white label solutions because of the favourable cost/benefit ratio.
The industry is booming and for many it is important to get on board as soon as possible.Should You Play With A White Label Casino?
There is absolutely nothing wrong with a casino white label, they are just as safe to play with if appropriately licensed and offer pretty much the same games as stand alone casinos. Whether you should play with these over independent platforms is down to you.
Of course there is more of a generic feel to a white label, simply because they are built using a limited range of options and features shared with other sites. There is still a level of customisation however and this does not change the game play whatsoever. If however you like bespoke interfaces and personal character in a brand they may not be for you.
On one hand with a white label you know what you are getting. You know that when using a new site with a fully managed solution that behind the scenes there is a tried and tested platform, payment provision, customer service, licensing arrangement, etc. This is not always the case with new independent sites who will ultimately face more bugs and problems initially, and may not be able to provide the depth of service straight away.
On the other hand there is generally more risk with white labels of closing down, as this is the nature of a competitive industry. If UK licensed for example, then there is no risk to your funds, simply the hassle of having to move to a new site.
There is a misconception too that white labels cannot be unique, they can. With a large list of products and features to choose from some white label operators try to focus on more niche aspects. Sites can be more directed and choose to be slots focused, for example, or provide a large live casino, a large range of jackpots, etc.
For those that like incentives and promotions white labels provide a means to access more new and existing customer offers available for players.Major White Label and Platform Providers
The number of white label providers seems to be growing almost as fast as the number of new online casinos. This is partly down to new platform providers entering the market along with many established casino brands that built their own platforms now farming these out as a new revenue source.
Partnering with the renowned companies will minimise the risk of ending up with a low-quality product, and the suppliers listed below are among the most reputable business in the industry.EveryMatrix
Founded in 2008, EveryMatrix has managed to win multiple industry awards for its software solutions designed for the iGaming industry. Its CasinoEngine hosts games by the top-notch developers (NetEnt, Microgaming, SG and Play‘n Go) and includes the incentive-system used for bonuses and comp points distribution. With 8,000 games from 80+ suppliers in a single platform, CasinoEngine is considered to be “the largest casino content aggregator in the world” and is used by brands like Wunderino, Genesis and Norsk Tipping.
OddsMatrix is the company’s sports betting software solution with a range of live sports events, multiple betting types, powerful admin tools, and MoneyMatrix a PCI DSS Level 1 Payment Service Provider. GamMatrix can handle an array of services such as Player and Wallet management, 3rd party CRM integrations, Gaming Vendors Integration via CasinoEngine, and Payment Processing via MoneyMatrix. The solution supports responsible gambling rules valid for multiple EU jurisdictions, among which reality checks, self-exclusion, deposit, loss and wagering limits… The list of clients includes Jetbull, Codeta Casino and Buck & Buttler. EveryMatrix currently holds licences in Malta, the UK, Denmark, Ireland, Romania and Curacao.SoftSwiss
SoftSwiss was launched in 2008 as a small start-up look

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The terms ghosts and spirits are often used interchangeably, but they are two very different beings. Ghosts and spirits appear and feel differently to each other, and it isn’t too difficult to tell the difference between the two.
Knowing the key differences between ghosts and spirits will help you identify what might be in your space, visiting you at night or hovering in the corner of your peripheral.
Ghost Adventures is an American paranormal documentary and reality television series that premiered on October 17, 2008, on the Travel Channel.An independent film of the same name originally aired on the Sci-Fi Channel on July 25, 2007.
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Ghosts and spirits appear and make contact for different reasons, and the way they ‘act’ and communicate is the strongest difference between them.
Let’s talk about each one so we can better understand the differences.Ghosts
Ghosts are most similar to humans, but without the control and resolution that the living have. They are almost incapable of reason or using a sound mind. They are often tied to the location at which they died.
Their death is usually sudden, a murder or tragic passing. Often, ghosts do not realize that they are in fact dead, which in most cases causes them to be in a state of frenzy.
Many say that ghosts have unfinished business on earth, which is why they are so strongly tied to one place.
Unfinished business also ties in with sudden or tragic death, as they didn’t have adequate time to get their items in order before death.
Sometimes, unfinished business could be a strong emotional bond to a person, or even just tending to their home.
This strong tie to the emotional and physical aspects of our world is often what keeps them here from day to day.
A violent death can also lead to dark energy, as the person was surrounded by anger and violence when they passed into the ghostly realm. Don’t worry though, ghosts really aren’t out to hurt you.
Ghosts are most famous for being sighted, and many people think that ghosts do not possess any power other than ‘being seen’. This isn’t always true.
Some ghosts, depending on their strengths, can manipulate the temperature of the room, can speak or change the odor in a room.
Because ghosts usually result from tragic deaths, they are mostly troubled souls. It is important to remember that this doesn’t make them evil or malevolent unless this is what they were like in real life.
A person who passes to become a ghost doesn’t always have to have a violent death, but they could have lived a troubled life which has caused them many negative emotions, which could prohibit them from moving on and finding peace.
If you feel sudden chills or smell a strange odor in the room, you may have a ghost lurking near. You might also have the sensation of being watched, you might hear strange voices or noises, and you might notice things moving in your peripheral.
If you want to know if a ghost may be in your room, be sure to read this article.
Or, if you want to become an expert on what ghosts are, and what we know about them, take a look at my absolute favorite book on Amazon.Spirits
Riverfront casino st louis. Instead of manifesting as the appearance of a dead person, spirits are more the personality or soul of someone who has died a fairly normal death.
Spirits are able to travel, as they are not tied to the site of sudden death or tragic event.
A spirit is the soul of a person wishing to live on, but without a physical body to survive in any more. It is thought that spirits can travel to different realms and dimensions, and can return to the living realm at free will when they wish to.
The spirit of a person might have a strong emotional tie to a person, most often a family member.
They may check in on this person regularly, which is why most people feel a warm and comforting presence surrounding them, often with the feeling that is a loved one who has passed.
Often, spirits have been through the light, but choose to come back and visit. Spirits tend to communicate with us in a peaceful and positive way. This could be through dreams which are known as visitations.
Usually, these visitations are brushed off as imaginative dreams, but so often it is a way of a lost loved one letting us know they are okay or saying I love you.
Spirits are also able to appear as different forms of nature. Dragonflies and butterflies are often thought to be the spirit of a lost loved one making a connection.
They are also strongly tied to coins, either by communicating dates through coins or dropping coins to announce their presence.
Many people also swear that a loved one has communicated with them by playing a song through the radio. There are many different signs that spirits communicate with us, we just have to open our eyes, ears, and hearts to receive the messages.Different Types of Ghosts
Most of us are not aware of the many different types of ghosts that exist. There isn’t one box that a ghost fits into, they appear in different forms, sensations or feelings.
Ghosts aren’t usually summoned, instead many go looking for their existence and use different tools and technologies to try and find proof that they are living and traveling among us.Poltergeists
Poltergeists are also known as ‘noisy ghosts’. They are able to manipulate the environment around them.
They open windows, drawers, throw things across the room, move chairs and topple books off of shelves. They cause lights to flicker, slam doors and in severe cases, they can start fires.
The presence of a poltergeist usually starts off mild, and the signs are often brushed off as coincidences. The occurrences become stronger over time as the poltergeist increases in power.
Poltergeists usually have bad intentions, and very rarely leave on their own. Their object is to cause harm and distress in a home, they feed off of bad emotions.Interactive ghosts
Interactive ghosts are the most common type found living among us. Usually, they are loved ones who have come to convey a message of love or importance.
You can usually feel their presence or smell a scent that is familiar to them. In some cases, they are able to make a noise or even communicate with you.
Interactive ghosts are usually friendly, as they have an emotional bond with the person they are contacting, and would not wish to do them any harm.Orbs
Orbs are the most common way for ghosts to present themselves through photographic evidence. The orbs appear as translucent or blue bulbs of light that appear hovering above the ground.
It is believed that orbs are the physical representation of human or animal souls that are traveling. The circle shape helps them travel easier, and it is considered that the more time they spend on earth, the more human their appearance will become.Funnel ghosts
Funnel ghosts are often found tied to historical buildings or personal homes.
They present themselves as a swirling funnel of light and as cold spots. In photos, funnel ghosts can appear as a spiral of light.Ectoplasm
We are all familiar with the ectoplasm found in Ghost Busters, but this is a little far from the truth.
Ectoplasm presents itself as a swirling mass of mist that is either white, black or grey. They are usually several feet above the ground. Although they are able to move around quickly, they mostly stay in one place and orbit.
Ectoplasm is most commonly found in graveyards, historical sites, and battlefields. They are considered to be old spirits, stuck in time and history.Demonic possession
Demonic possession is always dark and dangerous. It is when a demonic ghost possesses a human body, taking control of their consciousness.
They have much greater strength than another ghost, as they have a physical body to act through. They move their new bodies just like we do, and are able to do great harm.Demons
Demons are not to be contacted or messed with. They are powerful supernatural beings that can attach themselves to objects, invade homes and inflict physical and mental torture.
They are able to morph into different shapes but are most commonly witnessed as black masses.Shadow people
There is so much mystery surrounding shadow people. They appear in the corner of your eye but vanish as soon as you turn to look at them.
Those who have been able to look at a shadow person directly recall seeing a dark void that is endless. S
hadow people are in the shape of a silhouette of a person, and sometimes appear to be wearing a cloak or hood. Once spotted, they retreat back into walls, televisions, or into the dark of the night.Different Types of Spirits
Spirits are usually positive, encouraging entities that visit earth to spread good messages and connect with loved ones, or to offer protection.
Many people look to connect with spirits for guidance, protection, or comfort. Those who look to make contact with the supernatural try and cover themselves in a positive spiritual light, to help keep them safe through different forms of paranormal contact.Guardian angels
Guardian angels have spent most of their time in the spiritual realm, and because of this, they can offer a different perspective to those who have resided in the physical world.
They help guide us spiritually and support us in uplifting and activating our spiritual self. They protect us through spiritual interactions and warn if something is amiss.Archangels
Archangels usually have a specific field that they watch over, helping better the physical and spiritual world.
Often, archangels help larger groups of people, and if the time calls for it, they can take on human form to help guide others.Spirit guides
Spirit guides are usually known as humans who are more in touch with the spiritual world than others, but they can also be in the form of spirit who helps to guide us along a spiritual journey.
Spirit familiars can come in many forms, but they usually attach to one person whom they guide and watch over.Ascended masters
These types of spirit are similar to archangels but have lived on earth at least once before.
Having lived on earth and then in the spiritual realm, they have knowledge and experience to guide a larger group of people. Some consider religious deities to be ascended masters.Loved ones
Spirits who are deceased loved ones are probably the most common spirit found among us. It could be a deceased family member or even a pet. They can even at times act as a spirit guide.
Many people feel the presence of a passed loved one around them, and sometimes have contact with them in dreams. These spirits often have a loving message to pass along and can do so through dreams or different signs.Elemental spirits
Among the spiritual community, these are often debated on. Elemental spirits are thought to be beings that live in the physical realm, but who have a spiritual presence.
Some examples are faeries, gnomes and plant and crystal spirits. They are mainly found in nature, in forests, oceans, meadows and lakes, places where nature is wild and easy to connect to.Common Misconceptions
As unexplained as the paranormal realm might be, there are common misconceptions that occur within the community, and with those who are interested in the subject. This is often exaggerated by rumors, myths, and tales that seek to confuse and scare people.
Beware of the common misconceptions when it comes to ghosts and spirits, don’t get caught up in unbelievable stories, and don’t believe those who try and disprove your experiences or beliefs.Paranormal facts
There are some in the paranormal community who claim to know it all. They say they know how to make a ghost appear or react, and will often try and sell their services.
The truth is that there is not one person or group who definitively know everything about the supernatural realm. It is such an endless world where there are things we could not even imagine.
Scientific facts do not apply, no matter how much people push for this to be believed. Contact and experiences with spirits and ghosts is a very personal thing, and cannot be dictated by someone who claims to be a professional.Nighttime is best for ghosts
This is also a myth that is grossly incorrect. Yes, if you are seeking out spirits and ghosts it might be easier to hear and feel their presence at night when the world is quiet and at rest, but they are around all day.
Many ghosts are still in-tune with their old lives, so probably feel more comfortable being out during the day.Ghosts only attach themselves to buildings
While it is common to find a ghost living in their childhood home or the place in which they died, they don’t actually have to be tied to a specific place.
Sentimental objects with a lot of meaning can be haunted, or even people themselves. As long as there is a strong emotional bond for the ghost to cling to, anything can be an item for a haunting.There is a new wave of paranormal fascination
Thanks to the internet, we are more aware of the paranormal realm, but people have been researching ghosts throughout history.
Spiritualism is something that comes naturally to humans, we feel a connection to the world around us, and it is often inexplicable.
This leads to a curiosity of the unknown, and we cannot resist diving into the darkness to find out what surrounds us, and this is as much true for us as it is for those who lived hundreds of years ago.
Ghosts and spirits haven’t only started making contact now, they have been around as long as man.Spirits and ghosts are omens
It isn’t difficult to understand why many people are petrified thinking of the presence of ghosts and spirits. They do not understand the paranormal world and believe that anything to do with death and the spirit world might be evil.
While there are bad ghosts and demonic possessions, most spirits have good intentions. They are family members or loved ones who are looking over us, reassuring us that they are happy, and it is okay for us to move on.How To Tell If a Ghost or Spirit is Present
With so many distractions in the modern world, it can be difficult to stop and notice the signs that a spirit or ghost might be present around you.
If you stop for a second and take notice of your surroundings and senses, you might be able to pick up on an unknown presence. Here are some signs that a ghost or spirit is around:Dreams
Spirits find it easy to communicate with us through dreams. It is when we are most peaceful and give the least amount of resistance to outside influence.
Many people experience dreams with words or symbols, sent from a lost loved one. Don’t dismiss these as only dreams, take note of what the dreams are telling you as it might be a message from the other side.Moving objects
Some ghosts are able to manipulate objects in the physical world. They do this as a way to catch our attention.
They usually focus on one item, like keys or a photograph. They will move this around or hide it, again and again, to try and get your attention.Electricity
Spirits and ghost find it easy to play with the electricity we are so used to using. It is a form of energy, just like them.
They will flicker the lights, turn the television on and off and even drain battery from electronic devices.Fragrances
Ghosts and spirits are famous for using familiar smells to gain your attention. It might be a smell that has no cause or something that is familiar to you, which you associate with someone that has passed.Ghost Adventures Gambling For SpiritsSynchronicities
This is one of the most beautiful ways spirits let us know they are around. It is a complicated theory, but simply put it is hearing the same name twice in the day, hearing the same song multiple times or being recommended something by different people.
Spirits are throwing a sign in our direction, we just have to be awake and aware to realize when this is happening.Sensing a presence
Most people sense a presence before any other signs appear. The change in energy or temperature alerts your attention, and you have a feeling of being watched. Hopefully, it is comforting and warm energy that brings peace and healing.Related QuestionsHow do I communicate with a ghost?
Communication with the supernatural should always be done with precaution. While you might be wanting to reach out to a familiar or ‘good’ ghost, you never know who might be reaching out back to you.
Ask your spirit guides for protection and call out to the ghost or spirit you want to communicate with.
In your mind, secure yourself so only this spirit may communicate with you.
Use a tape recorder or video camera to catch a response you might not hear when asking a question.Are Ouija boards dangerous?
For the inexperienced, yes. You never know who might try and contact you through an Ouija board, and you might be opening yourself up to being contacted by an unsavory spirit.
Ask for a person in specific and have candles and sage burning in the room to cleanse the area.Can animals sense a ghost’s presence?Gambling For Spirits Ghost Adventures Travel Channel
Absolutely yes. You might notice your dog or cat acting anxious to enter a room, or snarling at a corner in the living room.
They are able to pick up on energies and frequencies that we cannot. T
hey are not distracted with mundane things like we are, and are more aware of spirits around them.Gambling For Spirits Ghost Adventures CastSpirits and Ghosts
There is not one definitive guide to explaining ghosts and spirits, instead, it is an accumulation of hundreds of years of experience and knowledge.Gambling For Spirits Ghost Adventures Walkthrough
If you suspect you are being visited by a ghost or contacted by a spirit, take note of all the signs and symbols that may appear.Gambling For Spirits Ghost Adventures Guide
Record your story and share it with others. This is how we learn and discover more about a world that is shrouded in so much mystery and myth.
Take comfort in the fact that not all spirits and ghosts are bad, and if you are being contacted, it may be a lost loved one looking to offer support and peace.(Visited 9,031 times, 1 visits today)
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One of the most misunderstood and debatable terms in Poker is “Checking the nuts”. This term came into lime light in 2009 during the World Series of Poker (WSOP) Main event. A female poker player (who had apparently won a contest to get entry into the event) was taken aside and was penalized & patronized for “Checking the nuts”. Mano semanal de poker numero 3! Que opinan del push?!Play Money Tournament SchedulePlay Money Leader BoardsSunday BillionBuy Play Money Chips
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In poker, the nut hand Golden cryptex slot review. is the strongest possible hand in a given situation. The second-nut hand or third-nut hand (and so on) may refer to the second and third best possible hands. The term applies mostly to community card poker games where the individual holding the strongest possible hand, with the given board of community cards, is capable of knowing that they have the nut hand.Usage in context[edit]
In Texas hold ’em, if the board is 5♠ 6♠ A♣ 9♠ 5♥, a player holding 7♠ 8♠ has the nut hand because those hole cards complete a 9-high straight flush of spades, which cannot be beaten by any other possible combination of hole cards and community cards. On the same board, the hand 5♣ 5♦ would be the second-nut hand, four of a kind fives; the third-nut hand would be any pair of the remaining three aces, making a full house, aces full of fives.
It is important to note that the actual nut hand may not be the same as the absolute nut hand; for example, if the board is 7♥ 2♣ K♠ K♥ 3♦ a player with K♣ K♦ has the absolute nut hand. However, any player with K-7 knows that he has the nut hand as it is impossible for another player to have two kings. The phrase may also refer to a hand in progress with cards yet to be dealt, as the player can be said to have the nuts at that time. For example, if a player holds 7♠ 8♠ on a board of 5♣ 6♠ 9♥ he can be said to have the nuts, however if the next card comes 7♥ then 8-10 becomes the nuts. This makes some nut hands very vulnerable in nine-card games, such as Omaha hold ’em.
In high-low split games one often speaks of ’nut-low’ and ’nut-high’ hands separately. In Omaha hold ’em, if the board is, 5♠ 6♠ A♣ 9♠ 5♥, any player with 2-3 makes the nut-low hand, 6-5-3-2-A, while a player with 2-4 makes the second-nut-low hand, 6-5-4-2-A (the nut-high hands remain the same as in Texas hold ’em, in this case 7♠ 8♠ to make a straight flush, although one can go as low as aces full by introducing quads and straight flush blockers). Similarly, one can sometimes hear the term ’nut-nut’, which refers to a hand that makes both the best possible high and low. In Omaha, with the same board as above, a player holding 7♠ 8♠ plus 2-3 of any suit has the nut-nut and is guaranteed no worse than a split of the low pot plus a win of the high pot.Co Je To Nuts Poker WsopOrigins[edit]
A common and certainly apocryphal folk etymology is that the term originated from the historical poker games in the colonial west of America, where if a player bet everything he possessed, he would place the nuts of his wagon wheels on the table to ensure that, should he lose, he would be unable to flee and would have to make good on the bet. Since it would be expected that a player would only make such a bet when he had the best possible hand, the folk lore says that this is how the best possible hand came to be known as the nuts. It is also rumored[by whom?] that these historical games were played only in the winter, and therefore, the nuts that were placed on the table were ’stone cold’, hence coining the term ’stone-cold-nuts’.[1]Co Je To Nuts Poker Chips
Another explanation[citation needed] is that ’the nuts’ originated from the old English usage of ’nuts’, meaning ’any source of pleasure’.[2]Co Je To Nuts Poker Real Money
Another seemingly fitting explanation is that the term was derived from the UK English slang ’the dog’s bollocks’ or ’the mutt’s nuts’, meaning ’the absolute best’. However, this phrase originated around 1949,[3] and the term ’the nuts’ pre-dates it.[citation needed]See also[edit]References[edit]
*^DD Poker Glossary
*^Etymology Dictionary’s entry for ’nuts’
*^The Phrase Finder’s entry for ’dog’s bollocks’Retrieved from ’https://en.wikipedia.org/w/index.php?title=Nut_hand&oldid=945103240’
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STARDEW VALLEY – GAME GUIDE
File Name: stardew-valley-indie-guide-v1.2.0.pdf
Size: 43 MB+
Page: 87 Pages
Format: PDF
Platform: Nintendo Switch, PlayStation 4, Xbox One, Microsoft Windows, Linux, macOS, Macintosh operating systems

*Stardew Valley: The Desert Unlocking the Bus, Casino, and Skull Cavern Mine The top-left corner of the Stardew Valley map contains Calico Desert, location of coconuts, cactus fruit, the Oasis store and the Skull Cavern. The Desert is a mystery early in your adventures in Stardew Valley. You’ll only see ’???’ When you hover over it on the map.
*Mar 14, 2019 Stardew Valley is out now on Android via the Google Play Store! In this how to play Stardew Valley guide you’ll find the best crops for each season, fishing tips, how to rebuild the community.
Stardew Valley is not only a farming simulator but it is a game that is built around what it would be like to start a new life as a farmer away from the city. In the game you build up everything from scratch and that is true for the relationships in the game as well. You will have to meet other. Stardew Valley guide: essential tips for mastering the farm By Tom Marks, Lauren Morton 05 February 2020 Our guide to Stardew Valley will help you farm smarter and make more money.
How to win cruise ship slots. ABOUT GAME
Stardew Valley is a farming simulation game primarily inspired by the Harvest Moon video game series. At the start of the game, the player creates their character, who becomes the recipient of a plot of land including a small house once owned by his or her grandfather in a small town called Pelican Town. The player may select one of five farm maps (introduced in version 1.1) according to their preference in play style, such as one with extra foraging opportunities, one with more mining resources, and another with a fishing river. The farm plot is initially overrun with boulders, trees, stumps, and weeds, and the player must work to clear them in order to restart the farm, tending to crops and livestock so as to generate revenue and further expand the farm’s buildings and facilities.
The player may also interact with non-player characters (NPC) that inhabit the town, including engaging in relationships with these characters; this can culminate in marriage, which results in the NPC helping the player’s character to tend the farm. The player can also engage in fishing, cooking, and crafting, and also explore procedurally-generated caves with materials and ores to mine or battle creatures within. The player can take on various quests to earn additional money, or work at completing bundles; specific collections of materials offered to the town’s Community Center. Completing bundles rewards the player with various items, including seeds and tools. Completing multiple bundles grants the player access to new areas and game mechanics, such as a desert and greenhouse farming. All of these activities must be metered against the character’s current health, exhaustion level, and the game’s internal clock. If the character becomes too exhausted, they will be returned to their house and restored with energy on the morning of the next day, but having forgone any opportunities to continue in activities from the previous day. If the player loses too much health, they will lose most of their energy and a random amount of money and items. The game uses a simplified calendar, each year having only four 28-day months that represent each season, which determines which crops can be grown and which activities can be beneficial. The character is evaluated on their third year. There is otherwise no deadline for completing the game, and as of 1.1 the player can be re-evaluated.Apr 20, 2020
A quick guide to obtain the secret items from the locked boxes around the map! These items are purely cosmetic (and a tad creepy) and provide no bonus to the player. As of 1.4 there are 3 obtainable characters to be found.
Guide to Pinky Lemon and Friends
Introduction
As a small easter egg in stardew valley the player can obtain three statues that can be found in various locked boxes around the map. These statues are respectively named ??Pinky Lemon??, ??HMTGF??, and ??Foroguemon??. Each of these statues can only be obtain by the locked boxes as of 1.4. These are the only three and no others statues can be found as of 1.4
The Book
A Lost Book in the library provides the code to obtaining these creatures and can be found by the player any time in game. The book ’???’ reads the following:

*Solok Ulan Paa Eno Ra Coto Ulan Coto Ulan Mabo Bel Eno Ra Teba Omi Walo Nemo
*Dop Ulan Coto Kui Mabo Awa Yoba Omi Solok Awa Lon Omi Omi Nemo
*Solok Teba Ra Awa Nemo Gawa Eno Bel Ulan Nemo Teba Omi Yoba Bel Omi Xi
The first letter of each of these ’words’ spells out and object and location per line. Taking this object to said location and putting it in the locked box found there will reward the player with the respective statue. The statues can be obtained in any order, and the order or time of year does no effect the ability to receive the statue as long as the item is in hand.
?? Pinky Lemon ??
Pinky Lemon is obtained by placing Duck Mayo in the Locked box in the Saloon. After placing Duck Mayo inside the box the player obtains ?? Pinky Lemon??. He can then be placed anywhere on your farm.
?? HMGTF ??Stardew Valley Casino Guide
?? HMTGF ?? can be obtained by placing a super cucumber in the Town location. This location is found behind Clint’s workshop and after placing the cucumber withing the box the player will receive ??HMTGF ?? This statue can then be placed anywhere on the players farm.
Stardew Valley Gambling Guide Mod?? Foroguemon ??
?? Foroguemon ?? is the final statue and can be obtained by placing a strange bun in the toy box found in Vincent’s room. To access the box you must have at least two hearts in game with Vincent. After placing the bun in the box ?? Foroguemon ?? will be gifted to the player and can be placed anywhere on the farm.
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New England Casinos are world famous. The most famous and largest casino the Foxwoods Casino Resort in Connecticut. You’ll find at least one casino in four of the six New England states. Vermont and NH do offer legal wagering through state run lottery programs, but both remain casino free. 24 -hour casino gaming may be found at both CT Casinos; Foxwoods Resort Casino, and Mohegan Sun Casino. All New England casinos offer lodging nearby or on premises. Free Parking is available. Popular gaming includes slot machines, electronic poker, table games like crap, poker, and others. Find another southern New England casino in Westerly, Rhode Island. Called Twin River Casino this is Rhode Island’s only casino hotel. In northern New England casinos may be found in Bangor, Maine and in Oxford, Maine. Hollywood Casino & Slots is the name of the Maine casino in Bangor, and the Oxford Casino Hotel is located just off Route 26 in Oxford, ME. Feature your business, contact us.
*Foxwoods Resort Casino will continue to welcome guests from all New England states. We have put extensive effort and research into our resort safety measures to mitigate public health risks, and we remain confident in our plans.
*This is a complete state-by-state listing of all federally-approved Indian gaming operations in the U.S. These casinos are authorized and regulated by the National Indian Gaming Commission (www.nigc.gov.), a regulatory agency of the U.S. Interior Department created by the Indian Gaming Regulatory Act (IGRA) in 1988.Stewart kirby poker. Vermont does offer “casino” action if you know where to find it. The laws allow for non-profit organizations to operate “Casino Nights” as fundraisers. The state also allows “strip tickets” to be purchased. The Vermont Lottery maintains a virtual monopoly on legal gambling in the state. Find more things-to-do-in Vermont in VT LIVING.com.
Include Me shortcode: file not foundNew Hampshire was at one-time a popular gambling destination. It is no longer. New Hampshire at one time was the legal gambling capitol of New England. The state has fallen far behind the neighboring states and current legal wagering is limited. The Lakes Region Casino in Belmont offers Texas Holdem Tournaments. Not a casino at all Club Casino in Hampton Beach is nice venue to watch live music. The NH Lottery offers a wide variety of games. Tickets and wagering are available at many convenience stores. .Take a Maine Vacation. Maine now has two operating casinos. In Bangor, Hollywood Hotel Casino features gaming action and hundreds of slot machines. In June, 2012 Oxford Casino opened with with 500 slot machines, a restaurant, a lounge and a dozen table games including blackjack, poker, craps and roulette. The Maine Living Activity Guide in ME Living will tell you about unique Maine attractions.New England Gambling Casinos Slots
Include Me shortcode: file not foundThere are now Massachusetts casinos operating in Plainfield, Springfield, and Raynham. The Commonwealth of Massachusetts recently entered the world of legal gambling and is likely to license more casinos in the future. Plainridge Park Casino is in Plainfield. The MGM Springfield offers casino action, a luxury hotel with pool and spa in downtown Springfield. On US Route 44 in Raynham is the Middleboro Casino. The Massachusetts Activity Guide in MA Living offers additional things-to-do in Massachusetts.
Include Me shortcode: file not foundFoxwoods is the largest in casino in the world. The Foxwoods Resort Casino features four hotel options: Two Trees, Grand Pequot Tower, Great Cedar, and MGM Grand. Mohegan Sun casino provides 300,000 square feet of gaming excitement within three casinos—Casino of the Earth, Sky & Wind, including smoke-free gaming areas. Mohegan Sun has a 34 story, luxury tower hotel with 1,200 rooms. Both Connecticut casinos are open 24 hours a day, seven days a week. The Connecticut Activity Guide in CT Living will offer some activity ideas for Connecticut vacationers.
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All the information you need about the reopening of River City Casino & Hotel. We will continue to add information as it becomes available, please check back often.
Riverfront Times. 21st Street, Suite 300. Louis, MO 63103. Main: (314) 754-5966. Advertising: (314) 754-5914. Classified: (314) 754-5925. The President Casino closed in June 2010: The President Casino, St. Louis’ first and oldest gaming facility, will not re-open before its license is due to be turned over to the state next week, Pinnacle Entertainment confirmed Thursday. (STLtoday.com) The casino was inside the historic SS Admiral. When no buyer came forth for the ship, it was.Statement by Chris Plant, Vice President & General Manager, on the Reopening of River City Casino & Hotel
“While the amenities our customers have come to know and love may be somewhat limited for the time being, the ability to safely welcome back our team members and guests remains our top priority. Antonio damasio gambling experiment theory. With this in mind, we worked closely with the Missouri Gaming Commission, state and local leaders, and public health officials to finalize comprehensive Phase I reopening protocols and new health and safety precautions. Our returning team members will be trained on these procedures and our guests will see reminder signage about them throughout the property. These new protocols include, but are not limited to, the following:
Social Distancing
*Capacity on our gaming floor may be limited, but we do not expect this to impact the customer experience.
*The installation of floor decals and signage to strictly enforce social distancing guidelines will be placed in areas where lines typically form.
*Table game seating will be limited, and some slot machines will be placed out of service.
*Live music and entertainment will remain suspended.
*There will be no large drawings, tournaments, or special events.
*Due to county restrictions, no beverages can be served or consumed indoors at this time.
*Beerhouse and Asia will be open for to-go orders only.
*The valet will also remain closed.
*The hotel has reopened.
Health & Safety
*Team members and vendors will be required to wear masks and will undergo a health screening each day, including temperature checks, prior to their shift.
*Based on the ruling by the St. Louis County Health Department, and in order to help reduce the spread of COVID – 19, River City Casino will be requiring all persons in public areas will be required to wear a mask covering the face and nose. Patrons may remove masks temporarily while eating or drinking or when asked by casino staff for identification. Guests not adhering to these requirements will be advised of the requirements and warned that if they continue to disregard they will be asked to leave the property.
*Slots and table games will be thoroughly and regularly cleaned throughout the day.
*Sanitizer stations will be installed on the casino floor and be readily available throughout the facility.
*Plexi-glass separators will be installed at the players club, cage, security podiums and other locations.

We are grateful for the overwhelming support, patience, and understanding from our customers through these unprecedented times.” CasinoRiverfront Casino St Louis Mo
Table game seating will be limited, and some slot machines will be placed out of service. Masks
Based on the ruling by the St. Louis County Health Department, and in order to help reduce the spread of COVID – 19, River City Casino will be requiring all persons in public areas will be required to wear a mask covering the face and nose. Patrons may remove masks temporarily while eating or drinking or when asked by casino staff for identification. Guests not adhering to these requirements will be advised of the requirements and warned that if they continue to disregard they will be asked to leave the property.Dining
Due to county restrictions, no beverages can be served or consumed indoors at this time.
Stewart kirby poker game. The Beerhouse: Open for to-go orders only.
Sunday – Thursday: Noon – 10 p.m.
Friday & Saturday: Noon – Midnight
Based on the recent Government guidance, we will be temporarily closing Rendezvous Brighton at 10pm on Wednesday 4 November 2020. Please note: All poker tournaments are currently suspended POKER SCHEDULES. WSOP.COM Brighton Poker Lounge Overview Part of Rendezvous Brighton Casino. The Brighton Poker Lounge sponsor tournaments 7 nights a week beginning at 8:15pm as well as 7 poker festivals per year plus international WSOP tournaments. Cash games begin as soon as the lounge opens at 7pm and can run until closing at 5am. Rendezvous Brighton poker tournament schedule and information, including starting times, buy-ins, prize pool guarantees, and freerolls. Brighton rendezvous casino poker tournaments. The Vegas-style Rendezvous Brighton Casino is home to the Waterside restaurant, stylish bar and an amazing poker room. Open 24 hours, 7 days a week.
Please use casino bars or beverage servers for all drinks; self-serve beverage stations will be closed.
Asia Noodles: Open for to-go orders only
Daily: 6 p.m. – 2 a.m.
Club 38: Temporarily Closed
Cibare Bakery: Temporarily Closed
Burger Brothers: Temporarily Closed
1904 Steak House: Temporarily Closed
The Great Food Exposition: ClosedHotel
The hotel has reopened.
The Fitness Center and valet will all remain closed.Entertainment
All live entertainment has been suspended at this time.
Is the Casino Open and what are the Hours of Operation?
• The casino is open 24/7.
• Beerhouse is open for to-go orders only, from noon – 10 p.m. Sunday – Thursday and noon – midnight Friday – Saturday.
• Asia Noodles is open for to-go orders only, from 6 p.m. – 2 a.m., daily.
• Burger Brothers is temporarily closed.
• Cibare Barista is temporarily closed.
• 1904 Steakhouse is temporarily closed.
• Great Food Exposition Buffet will remain closed.
How are you promoting health and safety?
We adhere to robust cleaning practices, social distancing, and encourage use of masks. We have also implemented:
1. Signage at entrances depicting a checklist of COVID-19 symptoms asking team members and guests to refrain from entering the property if necessary.
2. Guests are encouraged to sanitize their hands upon entering the property and use sanitizer stations located prominently throughout the property.
3. Signage and floor markers are installed where lines normally form for customer queuing.
4. Team members and vendors are required to wear masks and undergo a health screening each day, including temperature checks, prior to entering the property.
5. Based on the ruling by the St. Louis County Health Department, and in order to help reduce the spread of COVID – 19, River City Casino will be requiring all persons in public areas will be required to wear a mask covering the face and nose. Patrons may remove masks temporarily while eating or drinking or when asked by casino staff for identification. Guests not adhering to these requirements will be advised of the requirements and warned that if they continue to disregard they will be asked to leave the property.
6. Increased frequency of cleaning and deep cleaning high touch point areas is taking place.
Can I wear a mask or gloves for safety reasons?
Yes. Every guest that enters the casino is required to briefly show their uncovered face at the turnstile location prior to entering. Gloves are acceptable to wear.
What specifically are you doing to encourage social distancing?
Some slot machines are placed out of service and we are reducing the number of positions available at table games. Plexiglass dividers are installed at many counters. Casino capacity will also limited as needed.
What happens if the casino gets full?
Contingency plans are in place and include queuing lines at the entrances, with priority access lines for Owners Club and Elite guests.
Do I have a Free Play bonus offer available? What about gift giveaways, drawings and events?
You can view any available offers at mychoice.com. Make sure your email has been updated at mychoice.com in order to receive notification of upcoming offers. If we are unable to connect with you via email, you will miss out on valuable offers! We have no gift giveaways or drawings planned at this time. Other events will be scheduled at a later date.
When will you open the restaurants?
• Beerhouse is open daily for lunch and dinner from noon – 10 p.m. Sunday – Thursday and from noon – midnight Friday and Saturday. Face coverings are required to enter restaurants and can be removed once seated.
• Asia Noodles is open from 6 p.m. – 2 a.m., Friday through Monday.
• Club 38 is open Monday – Saturday from 4 p.m. – 10 p.m., and Sunday from 2 p.m. – 8 p.m.
• Cibare Barista will be open daily from 7 a.m. – 1 p.m.
• Burger Brothers is open from 5 p.m. to 3 a.m. Wednesday and Thursday and Noon to 3 a.m. Friday through Sunday.
• 1904 Steakhouse is open 5 p.m. to 10 p.m., Friday through Sunday. Indoor and outdoor seating will be available.
When will you open the hotel?
The hotel has reopened. The Fitness Center remains closed.Riverwalk Casino St Louis Mo
What about my tier status and mycash?
1. No tiers were downgraded during the closure.
2. We are providing guests a minimum of 12 months to earn their tier status for 2021.
3. We are suspending mycash expiration until further notice.Riverfront Casino St Louis
What else should be noted?
Please note the following:
• To avoid lines at the cashier, we recommend using kiosks to cash tickets and break bills.
• Please use casino bars or beverage servers for all drinks; self-serve beverage stations are closed.
• Valet service is temporarily not available.
• The VIP Lounge is open with limited service for Elite and Owners Club guests from 4 p.m. – 10 p.m. Monday – Thursday, 4 p.m. – midnight Friday – Saturday and 10 a.m. – 4 p.m. Sunday.
• The best way to stay up-to-date is through Facebook and by visiting our website. We’ll be posting live updates and more information as it becomes available.
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Fruit slots are generally reckoned as the simplest of its kind, whereas, Amatic’s Hot Twenty slot machine is here to break that tradition. This 5×3 reel classic-type slot game is played over 20 adjustable paylines and comes with a host of contemporary features like Multiplier Scatters, Substitution Wilds, Gamble, and quite an exhilarating gameplay. And to add to that, you have an impressive payout scheme that can win you a Fruit Jackpot of 1,000,000 coins. The game amasses on multipliers and does not offer free spins.
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Slot Name: Hot Twenty
Provider: Amatic
Type: Fruit machine
Theme: Fruit
Top Features: Wild, Scatter, Gamble Game
Release Date: March 2015
Reels: 5*3
Paylines: 10-20 (adjustable)
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Casinos are typically only open 3 to 12 nautical miles from the coast. However, in the case of Alaska, cruise ship casinos are permitted to open 3 miles after departing from one Alaska port until 3 miles before arriving in the next Alaska port, regardless of proximity to land. That’s good for gamblers, as cruises in southeast Alaska tend to hug the coastline.3. Smoking is part of the game.
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Professional gamblers tend to focus their energies on the land-based casinos that are open around the clock, without the distractions of a cruise — from buffets to deck parties and those pesky ports of call. Plus, according to Paul Jarvis, vice president of casino operations for Carnival Corp., card sharks seek anonymity, and passengers need to provide the cruise line with their passport details before boarding.5. Gambling theme cruises offer real competition for top players.
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*Antonio Damasio Gambling Experiment Stories
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Another example or evidence that Damasio uses, is the gambling experiment. In this experiment, four decks of cards are laid out in front of the subject. The subject is given $2,000 of play money, and told that he has to try to lose as little as he can and win as much as he can. Intuition and gut feelings have a firm biological basis, said Dr. Antonio Damasio, the lead author of a paper describing the experiment in the current issue of the journal Science. Damasio, a neuroscientist at the University of Iowa College of Medicine in Iowa City, carried out the research with his wife, Dr. Hanna Damasio and two colleagues. One way Damasio demonstrated the effects of somatic markers was through the Iowa gambling task (e.g., Bechara, Damasio, Damasio, & Anderson, 1994). In this task, participants are presented with four decks of cards and instructed to choose a card from any of the decks. The Iowa gambling task (IGT) is a psychological task thought to simulate real-life decision making. It was introduced by Antoine Bechara, Antonio Damasio, Hanna Damasio and Steven Anderson, then researchers at the University of Iowa.In a previous post, Optimizing the Most Critical Elements of the Customer Experience: Customer Choices, I shared a set of frameworks for understanding the decision processes that customers use to make choices. In this post, I will build on this foundation to further describe the way customer process their experiences and outline an overall strategy for designing experiences that fit with the way customers think and act.
It is referring to a study published by Damasio and others in Cognition, 50:7-12. Basically the participants have to choose between 4 different decks of cards that lead to either a reward or punishment depending on what card they choose.
How Do Customers’ Process Experiences and Make Decisions?
People generally have a gut feel for the situations they are in and what they want to do. In these situations, customers’ may have already subconsciously made a provisional decision before they even begin to consciously and rationally consider tradeoffs and their ability to justify that decision.
The leading neuroscientist, Antonio Damasio, has made a series of surprising discoveries regarding the extent to which subconscious feelings are a precursor to rational thinking. In an ingenious experiment, Damasio demonstrated that subconsciously generated physical changes in the body significantly precede a person’s deliberate and rational thinking. (See Iowa Gambling Task)
In this experiment, participants were given four decks of cards along with $2,000 in play money. The participants were told that each time they chose a card they will either win or lose money. The goal was to win as much as possible. What the participants didn’t know is that the game was rigged. Two of the decks were “high risk decks” with larger payouts and much larger losses. The other two decks were “low risk decks” with smaller payouts but even smaller losses. If participants consistently drew from the low risk decks, they would end up way ahead in the end.
As expected, participant’s initial card selection was random; they had no reason to favor any of the four decks. On average, participants turned over approximately 50 cards before they began to draw more consistently from the low risk decks. It took about 80 cards before the average participant could explain why he was drawing from these two decks. However, the most interesting part of the experiment was that Damasio had attached electrodes to the participants’ palms. These electrodes measured electrical conductance of the skin which correlates with nervousness. Damasio found that, after only 10 cards, participants began to show signs of stress when reaching for a card from one of the high risk decks! As signs of stress began to increase, the participants started to draw more frequently from the low risk decks. The most interesting observation about these findings is that the participants began to have a preconscious feel for the game 40 cards before they consciously recognized what was happening and 70 cards before they could articulate the reasons why.
This experiment illustrates an experience that occurs on three different levels: 1) subconscious and automatic reactions, 2) deliberate planning and action, and 3) reflective thinking. These three levels correspond with a model created by the brilliant cognitive scientist and artificial intelligence pioneer Marvin Minsky. Along with Seymour Papert, Minksy has developed a modular theory of the mind (called “The Society of Mind“) that attempts to explain how intelligence can emerge from the interaction of large numbers of non-intelligent agents. (See: The Society of Mind and The Emotion Machine). In essence, the mind can be modeled as the integration of a reactive layer (A-Brain), a deliberative layer (B-Brain), and a reflective layer (C-Brain). This is illustrated as follows:
*The A-Brain (Reactive Level) is the only part of the brain that receives signals directly from the external world. The A-Brain continuously predicts what will happen next and compares the signals it receives to these predictions. If there is a significant difference between the prediction and the actual signals, the A-Brain reacts by shifting attention, making muscles move, and/or stimulating systems that affect the person’s level of physical arousal. This A-Brain has no sense for what external events “mean.” It just responds with some combination of instinctual and learned reactions:
*Instinctual reactions include automatic physical responses to sensations of temperature, hunger, thirst, pain, etc… It includes things like quickly removing your hand from a hot surface or focusing on finding food when you’re hungry.
*Learned reactions can include everything from jumping out of the way of a moving car, to executing the sort of automatic behavioral scripts involved in driving a car, playing an instrument, making coffee in the morning. Learned reactions also include a wide range of subconscious associations with environmental clues… like the physical stress reaction you have when you hear someone you care about talk to you in “that tone of voice.”
*The B-Brain (Deliberative Level) is connected in such a way that it can receive signals from the A-Brain and can respond by sending signals to the A-Brain. However, B has no direct connection to the external world. The signals that the B-Brain receives from the A-Brain are often focused on differences between the A-Brain’s predictions and what it sensed in the real world. The B-Brain then interprets what the A-Brain senses but mistakes these interpretations for the real thing. The B-Brain does not realize that what it perceives are not real objects in the external world but are merely events that occur in the A-Brain itself.” In addition, the B-Brain cannot directly perform any physical action on it’s own but it can influence the way A reacts. The B-Brain is responsible for our ability to achieve more complex goals. It applies all sorts of knowledge in order to create and carry out more elaborate plans. This knowledge is accumulated and generalized from personal experience and what we learn from others.
*The C-Brain (Reflective Level) supervises the B-Brain while the B-Brain is dealing with the A-Brain world. Reflective thinking often begins when our usual strategies start to fail. The brain is able to reformulate and reframe its interpretation of the situation in a way that may lead to more creative and effective strategies. The C-Brain includes several levels of processing:
*Reflection: The C-Brain reflects on it’s recollection of thoughts in the B-Brain. This includes predictions that turned out wrong, plans that encountered obstacles, and failures to access or apply the knowledge that was needed.
*Self-Reflection: The C-Brain reflects not only on the thoughts of the B-Brain but on the self that had those thoughts. Self-reflection incorporates our model of our self with our model of the external world. For example, a person might recognize that, in the course of doing something, he’s stuck or confused. This may lead them him to recognize that: his plans have gone off track, he’s paying attention to too many details, or he’s pursuing a goal that could be revised. This self-reflection leads to a shift in perspective that allows people to work around obstacles.
*Self-Conscious Reflection: The C-Brain also reflects on how well our actions match the values, ideals, taboos, and identify we apply to ourselves. In order to do that, the brain must have built models about the kinds of ideas and behavior one ought to have.
The interaction of these three brains creates something that Minsky calls the “Immanence Illusion.” People have the illusion that their experience is unfolding in real-time because as they processes signals from the outside world, they are also recalling and creating a comprehensive array of predictions about what they will experience. Whenever a real object appears before their eyes, its full description is instantly available. “Our sense of momentary mental time is flawed; our vision-agencies begin arousing memories before their own work is fully done.” Perceptions can evoke our memories so quickly that we can’t distinguish what we’ve seen or heard from what we’ve been led to recollect.“We don’t see things as they are. We see things as we are.” Anais Nin
Implications for Experience Design
The implications for experience design are profound! At one level, the clues that customers pick up from the experience must be roughly aligned to fit with the way their reactive, A-Brain processes the signals from the world. At the same time, the most compelling experiences include a small number of clues that are deliberately designed to get the customers’ attention; to create an “orienting response” and shape their reflective, C-Brain. The trick is to deliberately design an experience that naturally maps to customers’ automatic behavioral reactions while reserving a very small number of salient differences; things we call “Signature Experience Elements.”
The place to start is by understanding customers’ reactive, A-Brain processes. One of the ways to do this is to map out their Automatic Behavioral Scripts. These automatic behavioral scripts are like little subroutines that brains execute in a way that enables people to accomplish predictable tasks without thinking too much about them. If you’re like most people, you have automatic behavioral scripts for tasks like: driving to work, getting a cup of coffee, going to the bank to make a deposit, etc… You can accomplish these tasks on “automatic pilot”… allowing you to pay attention to more pressing matters. So, when you go to the bank branch to make a deposit at lunch, you can be thinking about your meetings this afternoon or what you’ll do this evening.
Unfortunately, most companies do exactly the opposite. They interrupt their customers’ automatic behavioral scripts. For example: frequent changes to a travel company’s online storefront interrupts the automatic behavioral scripts of their frequent travelers; or a bank that “greets” customers as they come in to the branch to make a deposit creating a valueless distraction from their customers’ “doing it on automatic pilot” activity and interrupting their train of thought on the six other things that were more of a priority. In addition, if you’re going to do something different (get the customers’ attention; interrupt their train of thought; create an “orienting response”), you’d better make it good! Most companies have a hard time being creative and focused on the small set of things that will actually make a difference to customers… and be consistent with a differentiated brand story. So, as a result, the actual experience customers have with many companies can be summarized as varying degrees of being difficult to do business with.
Beyond fitting with the customers’ reactive, A-Brain processes, the next challenge is to create a small number of Signature Experience Elements that get the customers’ attention and are aligned to tell a story that works with how they make decisions (deliberative, B-Brain process) and consider the meaning of the experiences they have (reflective, C-Brain process). For example, Whole Foods Market has a small number of signature experience elements that reinforce their “Whole Foods, Whole People, Whole Planet” positioning and are perceived by customers’ as a difference in kind. These include: organic food, artful food presentation, local growers, educational signage, novelty seeking selection, and premium pricing.Antonio Damasio Gambling Experiment Stories
For the past several years, we’ve been working with clients on designing a small set of “Signature Experience Elements” that customers will perceive as a “difference in kind” and that fit with the overarching purpose of the organization. Typically we design to no more than 5-7 Signature Elements that are aligned with the purpose or story the experience is trying to tell. Another client example is a major jewelry store chain, whose brand story is “The Perfect Gift, Guaranteed.” This company’s signature elements included: a distinctive welcome, creative and consultative gift advice, coaching the customer on how to romance the gift, and a wow process for returns. Each of these signature elements was designed to get the customers attention and contribute to them really internalizing the desired brand story.Antonio Damasio Gambling Experiment Definition
Filed under: Cognitive Ergonomics, Customer Experience, Neuroeconomics | Tagged: antonio damasio, automatic behavioral scripts, cognitive ergonomics, consumer behavior, consumer psychology, Customer Experience, emotion machine, iowa gambling task, marvin minsky, seymour papert, signature experience, society of mind, whole foods |
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*Strong liquidity in France as at March 31st with over €2.9bn in cash and undrawn credit lines;
*Ample headroom on covenants as of March 31st: headroom of €925m in Gross Financial Debt for the Gross Financial Debt/EBITDA ratio and headroom of €485m in EBITDA for the EBITDA/Net finance costs ratio.Financial information for the quarter ended 31st March, 2020:(in M €, post-IFRS16)France Retail + E-CommerceLATAMTOTALRevenues(1)4 3383 9558 294EBITDA(1)192245437(-) impact of leases(2)-170-89-259Adjusted Consolidated EBITDA including leases(1)22156178(1)Unaudited data, perimeter as defined in financing documentations with mainly Segisor accounted for within France Retail + E-commerce perimeter(2) Interest paid on lease liabilities and repayment of lease liabilities as defined in the documentationConsolidated net sales at €8.3bn, up +7.9% on an organic basis1 and +6.4% on a same-store basis1, including the impact on food consumption of the Covid-19 epidemic since mid-March. For additional information, please refer to the Q1 Net Sales press release dated 23 April 2020.For “France Retail + E-commerce”, EBITDA was up +€67m compared to Q1 2019 driven by the additional business generated since mid-March and the impact of the cost-savings plans. Latam EBITDA decreased by -€15m due to currency effects, while consolidated proforma EBITDA published by GPA increased by +2%. For additional information on Latam results, please refer to the 1Q20 Earnings release published by GPA dated 13th of May 2020.The impact of leases was €259m of which €170m was for the “France Retail + E-commerce” perimeter and €89m for the Latam perimeter. Financial information on a last 12-month period ended 31st March, 2020:(in M €, post-IFRS16)France Retail + E-CommerceLATAMTOTALRevenues(1)18 252 16 326 34 579 EBITDA(1)1 601 1 091 2 691 (-) impact of leases(2)-654 -314 -968 (i) Adjusted Consolidated EBITDA including leases(1)946 776 1 723 (ii) Gross financial debt : Loans and borrowings(1)(3)6 409 3 046 9 455 (iii) Cash and Cash Equivalent(1)(3)962 1 081 2 042 (1) Unaudited data, perimeter as defined in financing documentations with mainly Segisor accounted for within France Retail + Ecommerce perimeter(2) Interest paid on lease liabilities and repayment of lease liabilities as defined in the documentation(3) Data as of 31st March, 2020As at 31st March 2020, the Group’s liquidity within the “France + E-commerce” perimeter was €2.9bn, with €962m of cash and cash equivalent and €1.98bn of undrawn confirmed credit lines.Following the particularly strong sales performance in March, the Group’s working capital was improved compared to the seasonal impact than is typically experienced in the first quarter of the year. Within the “France Retail + E-commerce” perimeter, change incash and cash equivalent during Q1 2020 improved by €250m compared to the change recorded in Q1 2019 as a result of the increase in EBITDA and the positive impact of sales and inventory management on working capital. As at March 31st, 2020, €350m of confirmed credit lines were drawn and €60m commercial papers were outstanding (compared to no drawn confirmed credit lines and €423m commercial papers outstanding as of 31st March, 2019). In France, the €257m March 2020 bonds were redeemed at maturity using the Segregated account (€193m) and available cash (€64m), and not refinanced.Additional information regarding covenants and segregated accounts:Covenants tested as from March 31st 2020 pursuant to the €2bn Revolving Credit Facility dated 18 November 2019Type of covenant (France and E-commerce)Level as at March 31st 2020Gross Financial Debt / Adjusted EBITDA(1) < 7.75x(2)6.77xAdjusted EBITDA(1) / Net finance costs > 2.25x4.61x(1) Adjusted Consolidated EBITDA including leases (2) 7.75x at 31 March 2020, 7.50x at 30 June 2020, 7.25x at 30 September 2020, 5.75x at 31 December 2020, 6.50x at 31 March 2021, 6.00x at 30 June 2021 and 30 September 2021, and 4.75x as from 31 December 2021Covenant metrics tested as of end March 2020 do not yet reflect the impact of the Leader Price and Vindemia disposals, which represent a combined positive impact of c.1 turn on leverage.The Group confirms that €192.7m was debited from the Segregated Account during the Financial Quarter ended 31st March 2020 in order to repay part of March 2020 bond maturity and its balance stood at €0 as at March 31st 2020. No cash has been credited or debited from the Bond Segregated Account and its balance remained at €0.Groupe Casino Finance Login***
ANALYST AND INVESTOR CONTACTSRégine GAGGIOLI – +33 (0)1 53 65 64 17rgaggioli@groupe-casino.fror+33 (0)1 53 65 24 17IR_Casino@groupe-casino.frPRESS CONTACTSCasinoGroup – Direction of CommunicationStéphanie ABADIE - sabadie@groupe-casino.fr - +33 (0)6 26 27 37 05or+33(0)1 53 65 24 78 - directiondelacommunication@groupe-casino.frAgence IMAGE 7Karine ALLOUIS – Tel : +33 (0)6 11 59 23 26 - kallouis@image7.frFranck PASQUIER – Tel : +33 (0)6 73 62 57 99 - fpasquier@image7.frDisclaimerThis press release was prepared solely for information purposes, and should not be construed as a solicitation or an offer to buy or sell securities or related financial instruments. Likewise, it does not provide and should not be treated as providing investment advice. It has no connection with the specific investment objectives, financial situation or needs of any receiver. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of the information contained herein. It should not be regarded by recipients as a substitute for the exercise of their own judgment. All the opinions expressed herein are subject to change without notice.

1Organic and same-store changes exclude fuel and calendar effects. Net sales and total and organic growth are impacted by the store disposals and closures carried out in 2019
Groupe Casino Finance Company
Groupe Casino Finance Corporation
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*Golden Cryptex Slot Review Ps4Can you unlock the secrets of this slot?
The Golden Cryptex Slot by Red Tiger Gaming is an online slot with a code cracker theme and playable on desktop computers, tablets and smart phones. The game has a unique design because your reels are embedded in a code cracker machine. The nostalgic layout is in golden colours and underlaid with the typical sound of an encryption machine. Golden Cryptex is a 5 reel slot and each reel is 3 symbols high. There are 3 paylines, but you only have one in play at a time, depending on which row the Golden Pointer is pointing. Theme – There is a steam theme to this one, as if the reels have came straight out of the Industrial Revolution. Golden Cryptex is one of the latest releases from Red Tiger gaming. It has 5 reels with 3 pay lines. This slot is a bit unique and out of the ordinary than you standard offerings that you normally received. Even the Game play and the way to trigger the bonus is different.
The Golden Cryptex slot game is a good looking machine that teases you into betting to unlock the Golden Cash Spins.
A 5 reel slot with only 3 paylines you can bet from as little as 0.10 per spin up to 40. But you’re going to want to bet conservatively in this game as the big wins don’t come often.
Unlocking the secret of the 5 aces is harder to do than you’d think, but when you do the thrills also unlock.Symbol Wins
Unlike many of other Red Tiger slots like the Jackpot Quest slot, this Golden Cryptex slot only comes with 3 paylines.
Paying from left to right with just four high paying symbols and 5 low paying symbols there’s not that much chance to actually line up some wins.
And you can see that if you spin this game. Yes you can line up a few good high paying symbols on a winning payline and you’ll come off with some decent wins.
On average those will be around 15 – 25 x your bet but we found any wins to be few and far between.
And then there’s the Golden Spins free spins which can take over 200 base game spins or more to trigger.Golden Cryptex Slot Review Ps4Start Playing at Videoslots »
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*Miami Club Online Casino Reviews
*Miami Club Online Casino ReviewSite Name:Miami Club Casino USA OKFounded:2012Network:WGS TechnologyBonus:100% up to $800Bonus Code:Special Promo DEAL Here
Miami Club Casino - 5 of-a-kind winning combination paying and saying straight flush. Not at all happy with this casino. I have been playing a progressive slot game called ’Poker Slots’ for the last couple of months. This casino is a member of a group called Deckmedia N.V., which has a pretty good reputation in the world of online gambling. Each casino owned by this company, including Miami Club Casino, carries a license issued in Curacao. This means that the casino abides to all the rules and regulations that guarantee the fairness of their games.
The Miami Club Web Casino is a first class site both in style and player interaction ease; as soon as you arrive you will be greeted with that feeling that only Miami can supply you with. They bring to the player something lively and fresh that most other USA allowed player casinos unfortunately fall way short of the mark. The casino is operated by a reputable company called Deckmedia N.V. it is duly licensed in the Netherlands Antilles. USA players are well catered for here and it would be our pick of all USA player online casinos that we have reviewed. Player feedback reports in a recent online poll indicate they are really getting things right at the Miami Casino Club.
Bonus offers, VIP programs and promotions
The Miami Club Casino has the standard run of the mill 100% bonus up to $100 mark but the great news is that this bonus deal can be activated for the first 8 funding deposits thus the total new player bonus is worth up to $800 which is a real generous deal with good terms and conditions. They also have regular slot tournaments and players can get accrue rewards points that can be exchanged for real cash and increased VIP member rewards. FYI they do not have just one VIP program; in fact they have six in total so you can be treated like a VIP even if you a low roller!
Casino deposit and withdrawal options
Just so you know most major credit cards are accepted here along with the regular web wallets like NETELLER, Money Bookers (Skrill), Eco card and QuickCash plus wire transfers are available.
Miami Club Casino games
The software that they use is provided by WGS Technology systems and it’s available as a download package or instant play best for Macs. We suggest the download version for PC is the best way to go as the games tend to run smoother and faster from our experience; but anyway that’s up to you. We have also checked the software ourselves with our virus checker and it’s totally safe without any spyware or other such items included. Additionally it is easily removed from the programs folder if you wish to delete it. With over 150 games available there is something for everyone here to play and enjoy with a great selection of slots including progressives, daily slot tournaments plus all the regular style casino games; you will be spoiled for choice and quality choice it is to be had here.
Miami Club Casino help
Help is readily available 365 x 24/7 by either the live chat or by email to the casino. We tested the live chat and email support and asked a few questions about the games and withdrawal methods; well not to our surprise the response was fast and helpful.Miami Club Online Casino Reviews
Miami Club Casino summary
We would rate this as the best site for USA players above all of the other casinos we have ever reviewed; we have viewed and even played at 50 or more so called USA friendly casinos (well many are not that friendly!) With a superb choice of games, lose slots, an easy to navigate web site and top notch customer support we suggest you take a look at the site for a quick tour; even if you do not wish to risk any cash that’s no problems just open a free players account and play for as long as you want gratis! Take a peek at them go here.No tags for this post.
Miami Club Online Casino Review
Accepting USA Players: YesCertified software: YesSoftware Type: WGS Technology24/7 Support: YesMinimum age: 21+
Owned and operated by Deckmedia N.V., Miami Club Casino is a private online gambling casino that is fully licensed by the Central Government of Netherlands Antilles. It is famous for being a pioneering product of the most experienced team of software providers in the gambling industry. Miami Club Casino, as a virtual casino, is being manned by a talented team of casino managers with the ambition of making it the finest venue for entertaining, fun-filled, yet highly professional gambling environment. The casino guarantees everyone a VIP treatment: from its massive promotions to its excellent customer support. Furthermore, the online casino goes round the clock in bringing thrilling and exciting gameplay to everyone in just a single click away.
Miami Club Casino’s WebpageMiami Club Casino’s main webpage is a subtle yet provocative lilac with strong purple accents and a reasonable number of golden labels and buttons. Online casino reviews note that the design of the page is quite simple with a conspicuous animated frame straggling at the center of the page. The frame simply displays the different promos and bonuses found in the casino. On the top area is the logo of the casino with the different menu buttons equally divided on both sides of which. Just beneath the frame are two option buttons: a golden “Download” button and a lilac “Instant Play” one. Between the two is a unique animated roulette button, a shortcut to the different games of the site.
Miami Club GamesThe website, in its entirety, maintains the simple yet equally beautiful lilac theme. This is very evident in its Games Preview page. On this page, one can see the same “Download” button. However, it is placed on the upper right corner of the page. Opposite which is the “Games Preview” label. At the center of the page are six square option buttons, each having a distinct golden logo. The buttons are, from left to right: Featured Games, Slot Games, Table Games, Video Poker, Specialty Games, and Tournaments. Below which is the area for the different featured games. These games are displayed in colorful tiles with a play button below each. The featured games include: Dragon Master, Jacks or Better, Casino Hold ‘Em, and Dazzling Dice. Finally, at the base of the webpage, are the same buttons one can see on the main webpage. They are the “Download”, “Instant Play”, and the “Games Preview” buttons.
Miami Club Online Casino Coupon CodesThe casino’s promotions page retains the same simple lilac design. The page is primarily divided into three parts: Slots Bonus, Slots Tournaments, Miani Coupon Codes, and the Reward Points table. On the right side area of the page however are two distinct buttons apart from the Download and Instant Play ones found on top. These two are the Claim Promotions option and the Join Exclusive Club Membership button. The Slots Bonus has a striking $8000 FREE label on top. On the other hand, there is a $10,000 Prize Pool label on the upper area of the Slots Tournaments tab of the page. Finally, the Reward Points frame has a table where the point system and pattern are displayed.
Deposit and WithdrawalThe banking page of Miami Club Casino displays the same set of buttons that are seen on the promos page. Online casino reviews maintain that this helps the site retain its simplistic yet multi-functional display. On this page, one can see right away the Deposits frame where the different funding modes can be seen. These following funding modes are NETeller, MoneyBookers, Skrill, ECO Card, and Quick Cash. Following in suit is the Withdrawals frame that displays the following modes: Wire Transfer, NETeller, MoneyBookers, Skrill, and ECO Card. Below this frame is an in-depth list of the withdrawal conditions applicable to the banking services of the casino.Miami Club Online Casino ReviewPlease enable JavaScript to view the comments powered by Disqus.
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