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    5/17/2008 - SV1
    "Jackpots have definitely state had only its own jackpot game, the biggest prizes were in the range of $5 [million] or $10 million," White notes. "Then along came games in which jackpots are fueled by the sales of tickets in many s there's a yin to the big-money yang. While payouts have expanded, the chances of winning have shrunk. According to White, the odds on a big, single-state sweepstakes are about 6 overcame odds of about 135 million to 1. In, the odds are 120 million knows, the house is always the biggest winner. So it's no surprise that state governments have taken to lotteries like white of Americans buy at least one lottery ticket every year, according to the North American Association of State and Provincial Lotteries. What's more, the big payouts are drawing new would never buy otherwise decide they might as well get in the game the West Virginia man whose $315 million win in 2002 is still the biggest in history -- acknowledged that he only started playing the game after its take crossed the $100 days for the two consortia running multi-state games., based in Iowa, was formed in 1988 and is played in 24 states, plus Washington, D.C. and the U.S. Virgin Islands. Mega Millions, launched in 1995 as the Big Game, has 11 states multi-state games offer a minimum prize of $10 million, and both pay out approximately 50 percent of their revenue to winners. As each consortium grows, obviously, revenue and payout potential rise state lottery commissions have had to choose one or the other. to be smaller. Mega Millions boasts more populous states, including New York, Illinois and individual sweepstakes prizes to date. A $363 million Mega Millions prize was shared Mega Millions signed up Texas, after a heated competition with the people. For its part, added to an interesting new border," said Joe Mahoney, a spokesman for the Multi-state Lottery Association, which runs the game. "People are coming in from Canada, especially Montreal, to buy has the choice to receive a lump sum payout of $168 million (about $117 million after taxes), or an annuity payment of a pre-tax $11 million a year, paid out in 26 annual were to win $100 million, the cash option might be about $59 million," he estimates. "Taxes get taken out right away, so you start with just over $40 million. There's no way you're going to get a high enough annual return every year to build that up to $100 million over the life of the though, White understands why someone would choose the lump sum to do," he says, noting that his business is doling out money, not financial advice. "But most winners would say it's a no-brainer to go for the cash."