Best Canadian Online Casinos in February 2026

It depends to a large degree on each casino’s game selection. From payment reliability to real user complaints, our reviews focus on the actual player experience. Jackpot City Casino has also launched a dedicated mobile casino app that players can download and use for a seamless mobile gaming experience. Casinos that combine robust encryption with responsible data practices earn the highest safety scores in our best payout online casino Canada rankings. Your decisions on when to cash out and whether to be greedy or conservative impact payout percentages. This means we may earn a commission – at no additional cost to you – if you click a link and make a deposit at a partner site. On a 96% RTP slot, you’ll theoretically lose $160 grinding through that requirement, leaving you with a negative expected value despite the “free” bonus. As part of our evaluations, we also identify the best online casino options for different player needs. That said, the maximum withdrawal limit for Bitcoin is set at $10,000 per three days.

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We picked the best payout online casinos known for secure payment options, trusted software providers, and a history of fair play, so you know you and your bankroll are safe and sound. High street brand with a long history of paying out. ” best site I possess ever played about. Max conversion: 3 times the bonus amount. Here’s a quick overview of the most common payment methods at the best payout online casinos, helping you compare key details like withdrawal times and fees. ✔️ Progressive best online casinos payout Jackpot and quick payouts. One of our top places to play in Alberta is Betovo casino. Your browser isn’t supported anymore. Most online casinos have an average payout percentage between 95% and 97%.

BetMGM Casino UK Sign Up Offer February 2026

✅ Instant crypto withdrawals Bitcoin, Litecoin and Dogecoin. The stronger your hand the more inclined you will be to bet, re triggers. By fostering responsible gaming practices, FanDuel ensures that your sports betting experience remains enjoyable and within your desired boundaries. We test the deposit and withdrawal process at hundreds of online gambling sites and only feature on this page the best ones. Additionally, we look at any jackpots they’ve paid out in the past. Equally important is how quickly a casino processes payouts. 89% payout rate across a wide range of games. While all fast payout casino sites in Canada ranked above offer quick or instant payouts, the five below are our favourites. One area of Ignition’s game collection that has high payout potential is the slots. Save my name, email, and website in this browser for the next time I comment. The cross device compatibility is excellent and worthy of a spot on our list. By understanding the benefits of Google Pay, knowing what to look for in a reputable casino, and practicing responsible gambling, beginners can confidently navigate this exciting world. Total Bonus and Free Spins.

Best Payout Gambling Sites in the UK

If the casino allows a maximum bet of $1,000 on a 35 to 1 straight up, then on each 17 to 1 split connected to that straight up, $2,000 may be wagered. You can find these games and many more at our partner casino sites including BetMGM, Duelz and Betnero. It’s beneficial that online casino game providers disclose their RTP and house edge information. This figure is a percentage that represents the amount of wagering money a casino game will return to a player over time. Terms and Conditions Privacy and Cookies PolicyGambling can be addictive. The bonus is only valid for accounts with a confirmed email and phone number. Reputable highest payout online casinos often display their RTP rates and provide certification from the abovementioned auditors like eCOGRA or GLI. Titles like Big Bass Splash, Fishin’ Frenzy, and Rainbow Riches are part of a wider library of online slot games that run smoothly across devices.

What is RTP?

In addition to this, the site is great for users who prefer to play on mobile because the site doesn’t just offer high payouts; it also offers its services on mobile browsers and via a dedicated app that can be downloaded on ios and Android. A bank transfer is a secure way of making a deposit for sure, but it can be slow. It has everything from 3000+ games of chance to numerous sports betting options and rapid cash withdrawals, which is why it can be found on our instant withdrawal casino UK list. Knowing what affects cashout times and limits can help you avoid delays and maximize your winnings. For an even more immersive experience, download the Casumo App for iOS or Android. Harvest Poker Classic. ✅ 6,000+ games from 60+ top providers including live dealer. Bet365 noted that some established brands in their home market could entice their customers, such as Entain, 888, and its William Hill subsidiary, Betfred, and Flutter Entertainment. ✅ Instant crypto withdrawals Bitcoin, Litecoin and Dogecoin. Uk we’re a mobile casino. Regular tournaments are organized at this online casino in Canada for real money.

New Slot Releases

Blackjack is often the top pick in this regard, with a house edge as low as 0. The casino’s library is also filled with high RTP slots and table games to amp up the excitement. Sports Interaction resolved our withdrawal issue via live chat in 15 minutes. Always check a casino’s licence status or just use our trusted list and save the worry. New titles are added weekly to our collection which allows Canadian players uninterrupted access to the latest releases. With an average RTP around 98. This ensures UK players can compare online gambling sites with confidence, supported by expert analysis, clear guidance and a strong focus on responsible gambling. But what does this have to do with online gambling hall payouts.

Customer Service

✓ Transparent over RTP in their games. Remember, RTP may suggest a better chance of winning, but luck still affects every spin. The casino payout percentage doesn’t count for much if you can’t get a hold of your winnings quickly and in a way that suits you. Still, there’s much more to this casino site than just mouthwatering top prizes. Verification is required before withdrawals are approved, and payments are supported through Visa, Mastercard, and multiple e wallets. 10 per spin Free Spins expire in 48 hours.

Playtech

A key factor in determining the best payout casinos is the variety and quality of their game offerings. You can establish deposit limits, session limits, and cooling off periods. We ranked the best paying online casinos in the UK based on verified return to player rates. With jackpots guaranteed to pay out every hour and every day, players have a constant, tangible chance at a big win. Compare the hottest poker games, biggest bonuses, and fast payouts at our top rated casinos. Players place a wager at the start of each round before any spinning occurs, with potential symbol combinations getting revealed once the reels stop spinning. Get a 20,000 Chip Sign Up Bonus. With a huge games library above 5,000, there are live dealer games as well as slots from top providers including Play ‘n GO, Pragmatic Play and Playtech. The highest payout online casinos on our list have a whole lot of potential, of course. Many people are after the best online casino payouts but don’t have time to research things independently. RTP percentage is usually included in the game’s tech specs. The availability of these methods varies by site, so it’s best to review the payment section of each casino’s website before signing up. Following them will allow one to get the most from his/her bets.

4 UX design and mobile availability

A fantastic array of reliable, secure, and convenient payment methods with which they can deposit and withdraw. In contrast, a medium or high variance slot will likely produce wins less frequently, but when it does, the amounts won will be more substantial. While all gambling sites will say they’re reputable, Canadian players should look for one of the following to ensure a site is safe: a provincial online casino, or a casino licensed by the AGCO Ontario or Kahnawake Gaming Commission rest of Canada. Casino bonuses are used as a feature to be able to attract players to gamble for actual money. Many of these titles can be found at best slot sites. In June 2016, the South Australian Government became the first state or territory in the world to introduce a 15% Place Of Consumption Tax POCT modeled on the 2014 UK POCT.

Do jackpot slots have high payouts?

Best payout casinos in uk we do the heavy lifting when conducting our reviews so you can rest easy when you visit a site on our recommended list, Gold King machine also got to the mobile world where it also makes waves. Over 2,000 slot games available and 50 free spins on first £10 deposit. They’re ideal for players who want the safety of bank transactions, without exposing their card click to read details directly. Yes, there’s a 5% commission, but it’s still the best bet in terms of expected value. “I joined a $5 buy in tournament and busted out just short of the money. For those seeking something more immersive, modern Slots can offer detailed storylines and interactive bonus rounds. By continuing to use our site, you agree to our Terms of Use and Privacy Policy. 100 Burning Brilliants. Once you’ve signed up at one of these sites, it’s time to start playing. Your browser is out of date and potentially vulnerable to security risks. The primary difference lies in the size of the bonus, with casinos normally offering lower matched deposit percentages and overall value. However, sometimes the rush of happiness is followed by a rude awakening after a big win.

Top Features and Main Drawbacks:

We’ll cover what makes these sites appealing, the types of games you can play, and how to navigate the world of online gambling responsibly. Independent auditing agencies such as eCOGRA, iTech Labs, and Gaming Labs International GLI test game outcomes and verify payout ratios to confirm that the casino’s results are genuinely random and fair. TandCs and exclusions apply. Our experts assess game libraries by examining both the quantity and quality of titles from reliable providers, such as Pragmatic Play, ensuring high paying casinos offer diverse options across slot machines, table games, online scratchies, and live dealer sections. Copy this address and send your Ethereum from your wallet to this address. Jamie’s mix of technical and financial rigour is a rare asset, so his advice is definitely worth considering. Safe and Secure: Fully licensed to operate across Canada. Every casino review is thoroughly fact checked and verified by our team of experts before publication. The best payout online casinos have to meet regulatory standards and offer additional layers of security, like advanced encryption technologies and third party audits of their game fairness.

Payments 4 8/5

At the same time, the speed and consistency of withdrawals are top priorities, and the same applies to the high limits these operators enable. Your funds then appear in your crypto wallet, often within a minute. Our experts signed up, deposited, played, and attempted to withdraw winning at 50+ websites to find the best instant payout casino platforms in 2026. 10 per spin on Big Bass Splash with no wagering on winnings. Sometimes, you can find these at the online casinos themselves, but otherwise, a quick online search should find them for you. Best Crypto Instant Withdrawal Casino: NeoSpin – Known for instant crypto payments with zero fees and broad token support. Yet, these people may not meet specific casino added bonus requirements and are unable to be used for withdrawals. Verify links to problem gambling resources appear prominently. ✔️ Instant withdrawals. RollingSlots has put four rewards into its 300% welcome package. Once you join a casino like Mr.

Service 4/5

Unless you plan on hunting down a no deposit bonus, you will be expected to get your online casino experience up and running with a deposit. Contribution may vary per game. You also need to assess the games on offer and their payout rates. Payouts will typically acquire a couple associated with days or so, nevertheless, which is lengthier than some additional methods. Online casino instant payout features are constantly changing. The higher the average payout of a slot on which you will receive your free spins, the more money you’ll win with your free spins on average. Spins need to be used within 24 hours. We’ve picked out the best in each category to help you find casino sites that match your preferences.

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6Make a secure password, and deposit money to claim your welcome bonus. Poker offers a thrilling mix of luck, strategy, and psychology, where you play against other real players or against the house. As such, they offer the highest payouts of 35:1 on winning bets. Based on this, plus the excellent selection of slots and some of the latest arcade games, Bizzo is indeed worth trying. For this reason, we spend a substantial amount of time browsing through community posts and forums to learn more about what matters to players for us to look out for while conducting our review. I have to cast welcome spells. However, some crypto casinos let you withdraw small amounts before full KYC, making early cashouts much faster than traditional casinos. Despite not being able to see you, they can see your username, current bets, and live chat messages. RTP, which stands for return to player, is the percentage of wagers a game returns to players over time in the form of winnings. Malta Gaming Authority MGA: Gold standard for offshore gambling regulation. Most have mobile optimised websites or apps for iOS and Android. This site is protected by reCAPTCHA and the Google privacy policy and terms of service apply.

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Low volatility slot games will pay out more frequently but for smaller values. This is a safe way to test the waters before depositing funds. Slots range widely, from low 90s RTPs to very high RTP outliers. The welcome bonus is not only generous, but the 5x playthrough gives players a clearer path to turning bonus funds and Bitcoin free spins into cash. The platform provides cashback, high roller, and weekly promotions. This ensures that our recommendations are not only based on technical assessments but also on actual user experiences. It helps casinos overcome many of the most common pitfalls by providing batch transfers and B2C2B payments, along with other services like international money transfers and virtual/physical debit cards. All that’s left for you to do is play smart, choose the best online casino games, and walk away when you’re ahead. Casino payouts through crypto or e wallets make these apps worth playing on. Games bonus win cap: £100 + original bonus amount. Winnings from bonus spins credited as bonus funds and capped at £50. Our experts have created a guide to real money games at top Canadian gambling sites. And your contribution is a very small percentage of that overall ‘average’ figure.

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Casino

Whether you prefer to spin Slots, the Roulette wheel or sit down at the Blackjack tables, our wide range of games means you should have no problem finding your favorites. We compared deposit and withdrawal options across top Canadian online casinos to find the fastest, fee free methods. The acronym stands for ‘Return To Player’, and it indicates what percentage of funds staked on a game will be returned to players over a prolonged period of time. Yes, it is completely legal to play at a licensed online casino in the UK, provided the platform is properly regulated. LeoVegas Gaming PLC is licensed and regulated in Great Britain by the Gambling Commission under account number 39198. Which online casino has the best RTP rate. This means you can get a good payout and get it quickly. Licenses and Security: Curacao is the issuer of the igaming license for Frank Casino.

Single Deck Blackjack

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Best Online Gambling Sites in the UK – February 2026

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Here’s what you can generally expect when playing at the best payout online casino Canada real money sites. These variations make it essential to consider the game mix when evaluating a casino’s payout rate. Good quality online casinos will offer tools for responsible gambling, such as deposit limits and self exclusion periods. ⏰ Number of withdrawals tested: 15. Bets wager excluded from returns. This UK online casino works with top developers like NetEnt, Pragmatic Play, and over 20 others. Once you are registered, you will have full access to all our online casino games, customer support and our incredible Royal Vegas promotions. Plus, spin the Wheel of Vegas for a chance to win one of three exclusive jackpots. This doesn’t necessarily make them inferior, but rather positions them differently in the market. Like any of the top Canadian casinos, they offer hundreds, if not thousands, of games to enjoy, as well as many flexible payment options and safety and security features. Free Spins winnings are cash. It supports thousands of games, including blackjack, roulette, baccarat, and slots.

Easy payment methods

Not only is Jackpot City fully licensed, our games by leading providers, like Games Global, Pragmatic Play and OnAir™ Entertainment, are certified for fair gameplay. Some video poker variants have an RTP in the high 90s or even close to 100%. The sites we recommend are fully UKGC licensed, offer RTP rates of 96% or higher and provide fast withdrawals, secure payments and strong welcome bonuses. Playzee stands out as a fast payout casino that ensures most withdrawals are completed in under one hour via e wallets and debit cards. Limited to 5 brands within the network. Bonuses and Promotions: 4. However, it’s always important to check a site offers competitive odds, regular promotions and a decent variety of games. Djordje is your go to guru in the iGaming world. An excellent 3 lowest deposit casino will often provide people having a plus. But among slot games, Mega Joker, Blood Suckers, and 1429 Uncharted Seas are known for exceptionally high RTP. Wagering requirements.

Online Casino FAQs

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Payout Percentages by Casino Games

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In most cases those numbers are correct as you will see later on in the article. We’ve found three brilliant options for the best RTP casino sites in the UK right now. Free Spin winnings credited as cash. However, it also has plenty of substance to match its style, offering a good selection of slots and a solid number of casino games. A list of these top rated casinos can be found below. Lightning Roulette is meant to be entertaining. Evolution’s super charged variant sticks to standard 21 rules but injects random multipliers up to 25×. The industry average is 40x, so this offer is three times worse than the top online casino bonuses.

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Its bonus loyalty points system and strong VIP club offer extra rewards, giving players even more ways to stand out from the crowd, like VegasNow and RoboCat. Here’s the real list–no fluff, no promises. Whereas betting systems are essentially an attempt to beat the fact that a geometric series with initial value of 0. Patrick is dedicated to giving readers real insights from his extensive first hand betting experience and analyzes every facet of the platforms he tests. On the casino’s game library, you can access and play both classic and more innovative games from over 65 software developers. Many popular online casino sites in Canada offer quick payouts. Some of these cookies are essential to how the site functions and others are optional. The live casino isn’t the best, but if you’re into typical online casino games, then you’ll find plenty, all of which come from the top game providers. 5% blackjack RTP by searching for the right variants. Often second only to Blackjack, baccarat is a simple game of chance with fantastic odds. This allows you to play free casino games using risk free funds.

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Look of for no deposit free spins and no deposit bonuses, which give you the opportunity to play real money games without having to deposit any funds into your account. Terms and conditions to look for include monthly/weekly/daily withdrawal limits, wagering requirements, expiry dates, promotional conditions, and more; these will affect the payout. The information on this site is for entertainment purposes only. Portion of each stake added to progressive jackpot value. When you’re ready to withdraw winnings, you’ll be glad you handled this administrative step already. TonyBet Casino checks plenty of boxes in terms regarding what you’d would like to see upon one of the finest on line casinos in Canada.

Pros and Cons

Therefore, UK players having issues with their iGaming operator can surely use this tool to their advantage. There are multiple factors that are considered, but the final outcome is a clear suggestion about which casino sites you should join and which ones you should avoid. For help with a gambling problem, call the National Gambling Helpline on 0808 8020 133 or go to to be excluded from all UK regulated gambling websites. See our fast withdrawal guide for speedy options. For Canadian players, the fastest withdrawal methods are e wallets, such as Skrill, Neteller, and PayPal. The odds of winning on Slots are based on the RTP Return to Player, which is a percentage of the amount of money that has been wagered on a Slot that should be paid back to players over the long term.

How slots differ from other online casino games

Unlike regular symbols, you fill up the tank and your bus travels the equivalent distant in miles. Reliable customer support is crucial in case you encounter any issues. Almost all the main site’s 700 games are present, including the latest live games, jackpots, and exclusives. Also, some bonuses aren’t eligible for e wallet users, so be sure to read the fine print before signing up. Blackjack, video poker, baccarat, and instant win games pay real money instantly because each round settles immediately. Next, we consider the website design and security measures of the casino. Limited to one credit per player per calendar day; credited within 1 working day. Now check your inbox.

Store Location

We look for online casino sites that offer a diverse range of local payment options that are fast and secure to make it easier for CA players to deposit and withdraw funds. If you’re not sure what to play, our advice is to try a few different types of games to see which you like best. Each banking option offers a different withdrawal speed, so it’s important that you pick one that aligns with your expectations. Terms and Conditions Apply. Plus, effective bankroll management and a strategic approach to bonuses will enhance your winning prospects. Com undergoes rigorous testing by our team of experts and registered members. Various themes, types, and additional features meet every player’s needs. Established in 2020, the Japanese/sushi inspired site offers over 1,250 casino games to play including slots such as Big Bass Splash, Fluffy Favourites, Immortal Romance, Money Train 4 and Book of Dead. Therefore, while one player may receive a higher payout rate, another player could receive a lower overall payout rate. Ohjeet asiakirjojen vahvistamiseksi. Game is on our list as an instant withdrawal casino Canada able to deliver winnings in less than an hour. Now that we’ve highlighted the best payout online casinos, let’s reveal the top paying online casino games you can play across different categories. Low volatility slots like Blood Suckers 98% RTP and Starmania 97.

Midarion Casino

Just follow these steps to sign up for a casino account with Jackpot City, the best online casino in Canada. Thousands of UK players already use MrQ as their go to for casino online games. Payment methods restricted. This metric assesses the usability of the top real money casinos in Canada, focusing on customer support, a streamlined sign up process and other key factors like web design and the inclusion of safer gambling tools. Total Bonus and Free Spins. It reflects which games were played most and the total amounts bet. This is ironic as the stats behind the games might make you feel like you are committing daylight robbery. Bets wager excluded from returns.

Slingo Games

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Best New Zealand Betting Sites in 2026: NZ Online Sportsbooks

These are two simple truths, and making deposits and withdrawals at gambling sites is just as straightforward. This new casino site not only offers a cash welcome bonus and a huge variety of slot and casino games from a variety of popular software providers but also instant payouts – with most withdrawals arriving in one hour or less. Your browser isn’t supported anymore. With over 1,500 games including live dealer options and slots from providers such as Nolimit City, Pragmatic Play and Play ‘n GO, they offer unrivalled customer support and 10% cashback on all losses. The casino also offers no fees for withdrawals, making it an excellent choice for quick cashouts. While deposits are instant, withdrawals can take 2 5 business days, depending on the site. This means every single spin and hand is completely random.

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They give players transparency and trust in games. If you focus on crypto slots, you benefit from 100% wagering contributions on eligible games, helping you work through playthrough faster. Regular players can benefit from reload casino bonuses, which reward deposits made after the initial sign up. They are commonly included in welcome packages or reload deals. Usually, welcome bonus offers, also called casino signup bonuses, are released in the form of matched deposit bonuses with a maximum bonus limit and may feature a batch of free spins. We measure the Total Waiting Time from the moment of request until the Transaction ID becomes visible on the blockchain. Top no KYC platforms offer live chat, email, and comprehensive FAQ sections to help players resolve issues quickly and efficiently.

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Zengo is easy to use and highly resistant to hacks thanks to biometric authentication and Multipart Computation MPC. You should also know that BetOnline isn’t just a sportsbook. It’s commonplace for online casinos in Canada to enforce a mandatory KYC verification on their platforms. They’re built for players who value speed, privacy, and simplicity above all else. A diverse range of variants from various providers ensures there’s something for every taste and skill level. As such, it is essential to note that the platform is only a no KYC casino for those using cryptocurrencies like Bitcoin, Litecoin, and Tether to deposit and withdraw funds. When you join a no ID verification casino, you won’t need to provide additional documents to verify your identity or worry about other long KYC verification processes. His work focuses on interpreting what odds reveal about risk, pricing, and public sentiment rather than chasing short term outcomes. Betpanda supports cryptocurrency payments such as Bitcoin and Ethereum, while also allowing fiat deposits and withdrawals, giving players flexible and fast transaction options.

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This is the foundation of a safe experience. The safety and security of people have always been our priority. CoinCasino now features what we rank as the best crypto casino, and it also has an online sportsbook, so you can enjoy online casino games and sports betting with the same account you use for poker. The no verification movement is led by crypto casinos. For some, the idea of gambling without KYC sounds reckless. Mobile withdrawals at no ID verification casinos are just as fast as desktop, with crypto payouts typically taking 5–15 minutes. Each payment provider will likely have its own limits, and this is perfectly normal. Think of it as conditional anonymity – as long as you follow the rules and stay within limits, you’ll remain anonymous. It is prized for its massive liquidity and high level of security, making it the preferred choice for high rollers at top Bitcoin casinos. ETH Casino provides dependable gaming to users with ongoing platform updates that follow modern industry protocols making it an excellent option for basic and secure online gambling. That is why you might find yourself having to complete a KYC procedure at one of these gambling platforms, seemingly at random, especially when you request a withdrawal. No verification casinos provide live casino games such as live blackjack, roulette, baccarat, and poker. So how do you know if these casinos are safe. It allows players to make deposits using their mobile phones and is known for its convenience and security.

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Uncertainties can arise from the lack of standardised verification procedures, especially in contrast to well established platforms. Pro Tip: Even if the casino doesn’t ask for documents right away, upload them as soon as you sign up. Players might choose casinos with a KYC process for several reasons. 99% of the time, No KYC online casinos haven’t got any license will cover up why in the next chapter. Some casino players mistakenly think that they are safe until they play at licensed online casinos. The other criteria we’ve considered to create this top are a great variety of games, diverse and convenient payment methods, the availability of mobile apps, etc. While these platforms might have quicker sign ups, the core principles of safe and sensible gambling remain the same. That can slow payouts and invite verification. This blockchain efficiency supports instant deposits and withdrawals—a standout advantage of no ID verification casino sites over traditional payment channels. Another way to skip the typical registration process is to sign up via WalletConnect. VIP Blackjack Live where your stake per round can exceed C$1,000.

What games can I play at anonymous crypto casinos?

It’s kind of uncommon. The sportsbook at Playbet. Withdrawals are instant, and crypto transactions offer added anonymity. It boasts an extensive welcome bonus spread across four deposits and features a unique community driven interface. The betting site also has an impressive collection of casino games, including slots, blackjack, roulette, and a live dealer section. Choosing between privacy and regulation comes down to your deposit size and dispute tolerance. But what type of games are most commonly found here. Here is a summary and then a comparison table of the pros and cons of the no verification casinos. If you’re a beginner, use TRC 20 or Litecoin, as they’re easy to use, broadly accepted, and far more efficient for casual Canadian players. TrustDice is a crypto native casino that emphasizes anonymity and transparency through provably fair gaming and cryptocurrency only transactions.

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Features like reload bonuses, provably fair games, and instant withdrawals make these verification casinos stand out from the crowd, providing a gaming experience that’s both exciting and secure. Responsible Gambling Organizations In The US. This 2 step process involved filling in your email and password, then entering your name and a few address details. Some no KYC casinos take transparency a step further by logging outcomes on the blockchain. We qualified after wagering about $500 during the week and received $87 worth of free spins the following Saturday. Ethereum ETH: Fast and flexible with broad support for tokens. It seems like the casino does not process transactions instantly but still very fast within 4 minutes. While deposits are instant, withdrawals may take up to 3 business days. The platform hosts over 6,300 games, including more than 6,000 slots and around 250 live dealer titles. The best no KYC crypto casinos use wallet addresses rather than names or personal data to associate your funds with your account. Choose a casino with native crypto balances and low payout thresholds. What makes Kingmaker part of the best instant withdrawal casino no verification Canada sites is its full support for half a dozen cryptocurrencies. A great no verification casino combines convenience, security, and enjoyable gameplay.

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