The enormous amount of money changing hands in modern government-run lotteries attracts an equally impressive number of fraud and theft opportunities. In the US, state and multistate lottery operations must apply fundamental internal control principles to protect the sponsoring governmental entity, citizens, and players from scandal being associated with sweepstakes games. In this article the authors describe some of the internal controls the Texas Lottery Commission uses to maintain the security and integrity of its lottery system. Though these controls are specifically for lottery operations, the underlying tenets on which the controls have been built are useful in any organization as is the importance of considering external relationships in the process of designing a control system....
...Instant ticket games are preprinted cards with various symbols hidden under a latex-type cov...
The premise of this article is that the use of an opinion of borrower's counsel as to the perfection and priority of the lender's security interest in the pledged equity collateral securing a real-estate mezzanine loan, and as to the "protected purchaser" status of the lender as a "purchaser" of the equity collateral, makes little sense under any rational cost-benefit analysis. In lieu of such a legal opinion, Uniform Commercial Code (UCC) mezzanine insurance offered by Fortune 500 land-title companies is much more cost-effective -- and a claim will not otherwise lead to the bankruptcy of the opinion-giving law firm. Although admittedly biased, the point of this article is that the answer to the TriBar Report and the cost of closing opinions in commercial transactions is UCC insurance.
...-property-secured transaction.7 The authors titled their article "Courting the Suicide King," ... conclude with a discussion of a simple card game called "Suicide King." In this game the playe...
The dominant model of regulation in the United States for consumer credit, insurance, and investment products is disclosure and unfettered choice. As these products have become more complex, consumers' inability to understand them has become increasingly apparent, and the consequences of this inability more dire. In response, policymakers have embraced financial-literacy education as a necessary corollary to the disclosure model of regulation. This education is widely believed to turn consumers into "responsible" and "empowered" market players, motivated and competent to make financial decisions that increase their own welfare. The vision created is of educated consumers handling their own credit, insurance, and retirement planning matters by confidently navigating the bountiful unrestr...
..., informational websites, interactive games, and the educational component of one-on-one cou... clients is to cut up all their credit cards and close the accounts," 26 one frequently cited ...The authors of the study conclude: "These . . . findings sugge...
In the context of the development of e-commerce on the Internet, a lot of electronic payment systems have been set up in order to secure online payments. To understand the success of Internet payment systems it is necessary to analyse the strategies of e-commerce actors: consumers, "cyber merchants", managers of networks (telecommunications and payment), suppliers of electronic payment services and banks. Our results provide objective explanations of the success factors of Internet payment systems, and the domination of SSL card payment in the market (Turban and Alii, 2006). Moreover, unsuccessful experiences show that it is necessary to consider network effects (Shapiro and Varian, 1998; Shy, 2001) and which business models to implement in order to avoid killing a new Internet payment ...
...The authors distinguished between electronic money based syste... boxes for interactive television systems or game consoles. Mobile payments can be used for: wireles...
...The authors see insider trading as problem of allocating prope... poker against a dealer who knows which card is coming because he marked them. In other words, ... individual does not play by the rules of the game. Another simile compares insider trading to a spor...
..., with error rates increasing when wild cards were introduced into the game. Self-reported strat.... Acknowledgments . The authors thank the office of the Vice President for Researc...
... directly oppose their workers or "play the game" with them (that is, feign cooperation simply to p..., the participant had one chance to select a card blindly from a bag of 10 cards. One card was label...The authors thank Maureen Mulroy and Ronald Sabatelli for thei...
...'t resist being excited about African authors, such as renowned Nigerian author Chinua Achebe, f...Olu Oguibe's The Culture Game (2004:172) acknowledges the limits of cyberspace, .... Ben-Ami, Daniel. 2006. "Why the New AMEX Card Makes Me See Red." Spiked, 28 September 2006. http...
Competitive balance is highly desired in professional sports leagues, yet measurement of the concept is not well established. The definition of firm/team goals in a professional sports league and its connection with competitive balance has typically been assumed rather than studied. Using fan welfare as the goal of the firm, the current research attempts to link competitive balance with fan welfare through the use of what is termed the "hope" construct. A market survey of 367 individuals in a Major League Baseball market empirically supports the use of the hope construct in competitive balance. Suggestions for future research are presented.
... willingness to purchase tickets or watch games on TV) (Humphreys, 2003). Based on these criteria,...Although neither of the authors directly identified the goal of the firm, they see... is closer to a division leader than a wild card spot and some higher ranked (and often less wealth...
Four Card Poker offers poker fans a way to enjoy the game without having to figure out whether the player across the table is bluffing. FCP pits players against the dealer, like other casino "carnival games" derived from the granddaddy of American gambling pastimes. It boasts an easy betting structure and simple strategy, along with a side bet that offers the lure of hefty payouts in return for a larger house edge.
...Frome and other authors say an "expert" strategy that considers the dealer...
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