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The two different methods, both offer you, the player, the same user experience and the only difference is in the back end of how the online lottery ticket provider works. The two methods that online lottery sites use differ in one key way; They either have agents and employees all over the world that physically purchase tickets on behalf of clients or, the more recent phenomenon is when companies essentially take out an insurance policy on every ticket which is tied to the size of the jackpot. This is the difference between you playing the lottery online and betting on the lottery online*. In the latter option you are, de facto, not playing the US Powerball online but rather you are placing a bet with an insurance company on the outcome of the corresponding Powerball draw. 
In the aftermath of the attack on the World Trade Center on September 11, 2001, the legislature in Albany, fearing a monumental loss of revenue, passed legislation the following month, which was signed by Governor George Pataki, which included joining a multi-jurisdictional lottery game. Around the same time, for entirely different reasons, Ohio's governor also gave the green light to joining a multi-jurisdictional game. Both lotteries opted to join The Big Game, which, at the time, was offered in seven states. The added populations of the two new jurisdictions, in turn, led to a larger double matrix. The first machine continued to hold white 52 balls, while 16 gold balls were added in the second, meaning there were 52 numbers to pick from in both parts of each $1 game. On May 15, 2002, the game was renamed The Big Game Mega Millions; shortly after, it became just Mega Millions. Except for the 2010 cross-selling expansion, this was the only time The Big Game or Mega Millions simultaneously added more than one member.
Lottery jackpots are overwhelming played by low-income Americans, studies show. In fact, the lottery jackpot only becomes “progressive” — meaning that high earners spend more on tickets than more than low earners — when the jackpot is at least $806 million or more, according to this study by Emily Oster, currently a professor of economics at Brown University.
Due to falling sales of Hot Lotto (whose final drawing was October 28, 2017), a new version of Lotto America became available on November 12, 2017; its first drawing was November 15, 2017. Lotto America is available wherever Hot Lotto was offered at the time of its final drawing (except New Hampshire.) Lotto America is drawn on Wednesday and Saturday nights after 11 p.m. ET/10 p.m. CT. For each $1 play, bettors choose five numbers from 1 through 52, and a "star ball" numbered from 1 through 10, or ask for terminal-generated numbers. For an additional $1 per play, the bettor can add the "All-Star Bonus" option, which multiplies non-jackpot prizes by 2, 3, 4, or 5.[1][2][3][4] The minimum Lotto America jackpot is $2 million; however, the game's initial jackpot was $15 million; the 13 members chose to augment the jackpot with funds from Hot Lotto, whose final jackpot was not won.
On top of the cost of a regular ticket, you can pay extra for the Power Play option which acts as a multiplier of prizes in a similar way to how Mega Millions’ Megaplier does. Taking the Power Play option multiplies winnings earned by matching just one number right through to matching five numbers - turning the $1,000,000 prize into a $2,000,000 prize.
The minimum jackpot prize is a $15 million annuity disbursed in 30 payments over 29 years which is something many people would elect to do.The 30 annuity payments are not equal but based on an increasing rate schedule. For example, the first annual gross annuity payment on the base $15 million jackpot would be approximately $267,000 while the final payment would be approximately $834,000.
The structure of the draw is one which regular lottery players will be very familiar with; players must pick 5 regular numbers from a pool with a total of 69 numbers and in addition to these regular number picks, you also choose one bonus ball (known as the Powerball) from a pool of 26. These two pools of numbers are mutually exclusive and remain completely separate throughout the drawing procedure. In order to jackpot the US Powerball, you need to match all 5 regular numbers and the Powerball. Do this and you are instant Powerball millionaire – it’s as simple as that!
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