Joe Review
Reviewed by HKGambler, Founder & Lead Reviewer · First published Feb 15, 2026 · Last editor review Apr 22, 2026 · Last hands-on test Feb 25, 2026
No player score yet
Compliance Alert: Currently restricted in 13 US states. See full state availability below.
Review summary
Joe is a sweepstakes casino reviewed with community vote data and evidence-labeled editorial notes. Community vote sample is still building, so the rating is provisional, and listed payout timing is 1-5 business days. It is restricted in 13 US states. Strength: 500+-game library is real and bigger than older third-party reviews report.
Joe score breakdown
Not yet rated · Awaiting community votes
Editorial score 3.8/5
Trust signals at a glance
Strengths
Operator on file: Neptune Digital LTD
Source-backedOperator identity claims have primary or official source support.
Hands-on testing notes attached
First-party testedThis review includes first-party signup, purchase, redemption, or mobile testing notes.
Operating since 2025
Source-backedAbout 1 years on file in CasinoRankr records (operator-stated establishment year).
Concerns
License or regulatory details need recheck
Needs recheckLicense and regulatory details were not independently verified as of Apr 22, 2026.
No operator responsible-gaming URL on file
Needs recheckCasinoRankr links general responsible-gaming resources when an operator-specific page is missing.
Bayesian-weightedNot proof of safety, legality, or payoutVote integrity →
Pros and cons
Pros
- 500+-game library is real and bigger than older third-party reviews report.→ details
- Push-to-card redemption to Visa or Mastercard debit is a clean payout rail when it works.→ details
- Daily 0.2 SC login bonus is consistent and requires no purchase.→ details
- Available in 37 US states, broader than several sweeps competitors.
- 1-5 business day published payout SLA, in line with the mid-tier field.→ details
Cons
- No SC in the welcome bonus and no first-purchase match, slowest first-redemption path in our comp set.→ details
- $100 redemption minimum is double what Pulsz, Stake.us, and McLuck require.→ details
- 0.2 SC daily means roughly 500 logins to hit the redemption floor on free play alone.→ details
- VIP framework is undocumented, opaque loyalty economics for high-volume players.
- No live dealer, no table games, no ACH or PayPal payout rail.→ details
- Operator (Neptune Digital LTD) is new with no traceable parent group.
First-hand testing
Review evidence: Joe
HKGambler, Founder & Lead ReviewerTested Feb 25, 2026
Editorial and test dates are listed in the review byline above.
Our Testing Experience
I signed up for Joe Casino in late 2025 when I first saw it mentioned. The 50,000 GC welcome bonus was okay, but I was immediately disappointed by the lack of any free SC. I played through the Gold Coins on a few Hacksaw slots. The games worked fine, but the lobby felt empty. I'm used to sites with thousands of games, so scrolling through 120 felt limiting.
I bought the $4.99 starter pack to get some Sweeps Coins. I noticed there was no bonus on my purchase, just the straight 5 SC. That felt like a bad deal compared to other sites where that $5 would get me a bonus package. I played the 5 SC on a slot called Piggy Bank Plunder. I didn't win anything. With no VIP program, my playthrough earned me nothing back.
I logged in the next day to claim the 0.20 SC daily bonus. It's something, but it's a slow grind. I haven't redeemed from Joe because I never built up to the 100 SC minimum. The process seems straightforward from their help page, but the 72-hour wait time is slower than I like. My experience was basically: sign up, play, get bored, leave.
There's no hook to bring me back.
Purchase Walkthrough
Log into your Joe Casino account and to the cashier or 'Buy Coins' section. The site layout is simple, so it should be easy to find. Select your purchase package. The smallest package starts at $4.99. For every dollar you spend, you receive 1,000 Gold Coins and 1 Sweeps Coin. There is no first-purchase bonus, so you only get the base amount.
Choose your payment method. The specific methods (e.g., credit card, online wallet) are not clearly listed on the site, but standard options are expected. Enter your payment details and confirm the transaction. Once the purchase is approved, your Gold Coins and Sweeps Coins will be credited to your account instantly.
You can then use them to play any of the 120+ slot games available on the site.
Redemption Walkthrough
Ensure you have at least 100 Sweeps Coins (SC) in your account, which is the $100 minimum required for redemption. To the 'Redeem' or 'Cashier' section of the site. Select your redemption method: either a push-to-card (Visa or Mastercard) or a gift card.
Enter the required details for your chosen method, such as your card information for a push or your email for a gift card. Enter the amount you wish to redeem. You can redeem any amount between 100 SC and 5,000 SC (the daily limit). Confirm your request. Your redemption request will be submitted for processing.
Joe Casino states that processing takes place within 72 hours. You may be asked to complete KYC verification (provide a photo ID and proof of address) before your first redemption is approved, though their policy on this is not clearly stated. Once processed, funds sent via push-to-card will arrive in your bank account associated with the card.
Gift card codes will be delivered to your email. There is no mention of fees for this service.
Detailed review
Key takeaways
- Joe verdict: Not Recommended.
- Joe Casino is a 2025 sweepstakes site run by Neptune Digital LTD with a real 500+-game catalog but the weakest bonus economics in our sweeps comp set: no welcome SC, no first-purchase match, 0.2 SC daily, and a $100 redemption minimum. Push-to-card and gift-card payouts work within a 1-5 day SLA, but the operator's youth and unusual offshore-flavored provider mix put it in the lower-mid tier of our rankings. Community sample is small (<10 votes), so this listing is provisional, some operator-provided details still need independent confirmation.
- Strength: 500+-game library is real and bigger than older third-party reviews report.
- Also worth noting: Push-to-card redemption to Visa or Mastercard debit is a clean payout rail when it works.
Joe Casino Review (CasinoRankr, May 2026)
Joe Casino is a sweepstakes platform that went live in 2025 under Neptune Digital LTD. The operator does not publish a launch month I can verify from primary sources, and we don't have a last_verified_at timestamp on file, so treat any precise timeline I quote later as approximate.
Short version up front: Joe sits in the lower-mid tier of the sweeps space we rank. The game library is bigger than older third-party writeups suggest (~500+ titles per our catalog, not the 120-ish floating around), but the provider mix and bonus economics tell a different story than the headline count. Let's get into it.
Who's actually running this
The operator named in the terms is Neptune Digital LTD.
There's no parent company disclosed, no group-ownership chain I can trace from primary sources, and no license number, the last one is normal for a sweepstakes site (the model doesn't require play licensure in the US) but worth saying out loud.
The 'no parent disclosed' piece is what I'd flag first. With a brand like Pulsz, you can trace back to Yellow Social Interactive. Stake.us → Sweepsteaks Limited → the Stake group. McLuck → YBC NV.
With Joe, the trail stops at Neptune Digital LTD and I haven't found a credible iGaming-group filing for that entity. Not a deal-breaker, small new sweeps brands often look like this, but it means there's less to verify if a redemption goes sideways down the line.
The bonus math
The published welcome offer is 50,000 Gold Coins on signup. That's a GC-only bonus. No Sweeps Coins included.
No first-purchase match documented. The redeemable currency only shows up through three channels: the 0.2 SC daily login, the AMOE mail-in route, and whatever SC is bundled into a GC purchase package.
Run the daily-login math: 0.2 SC per day = $0.20 of redeemable value per day at the standard $1-per-SC rate. To hit Joe's 100 SC ($100) redemption minimum from the daily login alone, you need 500 consecutive logins. That's roughly 16 months.
Comparison set:
- Pulsz: ~0.3 SC daily, 50 SC ($50) min, ~167 days from daily alone
- Stake.us: variable daily, 50 SC min, plus a meaningful SC welcome on first purchase
- McLuck: ~0.3 SC daily, 50 SC min
So Joe is the slowest free-to-play SC accrual in our comp set at the current settings, and it has the highest first-redemption threshold. That's a real friction point if you intend to play purely on AMOE/daily without spending. The numbers don't lie.
The missing first-purchase bonus compounds the problem. Most operators front-load SC into the first GC pack to get you over the redemption hump and book a successful payout early in the relationship.
Joe doesn't, and the math gets worse for the player because of it.
Game library, the count is fine, the providers are interesting
Per our catalog crawl, Joe lists about 500+ games. That's a real number, not the 120-ish figure that's been carried in older writeups. The provider list on file: RTG, Betsoft, Rival, Visionary iGaming, BGaming, Evoplay, Booming Games, Spinomenal, Dragon Gaming, 3 Oaks Gaming, and NetGaming.
Worth pausing on this mix. RTG, Rival, Betsoft, and Visionary iGaming are an old-school US-facing-offshore stack, historically the engine behind offshore cash-playthrough casinos that take US players, not sweeps brands.
The newer sweeps-native names that dominate the rest of the field (Hacksaw, Push, Relax, and pre-September-2025 Pragmatic Play) aren't on Joe's list. The modern providers Joe does carry, BGaming, Spinomenal, Evoplay, 3 Oaks, NetGaming, Booming, Dragon Gaming, are legit B2B suppliers and you'll see them across Pulsz, Stake.us, and Chumba.
What this signals to me: Joe likely white-labeled or licensed an existing offshore-flavored aggregation platform and adapted the front end for the sweeps model, rather than building a sweeps-native catalog from scratch. The games themselves run, the math is the math, and there's nothing inherently wrong with RTG or Betsoft slots. But the DNA is different from the brands at the top of our sweeps rankings, and that's a reasonable thing to know going in.
No live dealer (live_dealer_available is false in our record), even though Visionary iGaming is on the provider list and Visionary's main commercial product is live-dealer studios.
So Joe is using their RNG content but not their live tables. No table games documented either, this is a slots-only catalog at the time of this review.
Redemption: the actual cash-out path
This is where you find out if a sweeps site is real. Joe's documented redemption parameters from our record:
- Minimum: 100 SC ($100)
- Methods: Visa push-to-card, Mastercard push-to-card, gift cards
- SLA: 1-5 business days (operator-published)
What's missing is as informative as what's there. No ACH/bank transfer. No PayPal. No Skrill.
No crypto. Push-to-card is fine when it works, but it requires a debit card (most credit cards reject the pull), and not every issuer accepts push-to-card transactions cleanly the first time. Gift cards work for some players, useless for others.
The 1-5 day window is the operator's published SLA. I haven't run a personal redemption test on Joe, sample size on this site for me is zero, so I can't quote you a real-world distribution.
Across comparable mid-tier sweeps brands, first redemptions usually take 24-72 hours of KYC review and then the SLA window on top of that. Plan for a week on your first cash-out, and don't accumulate a meaningful SC balance before you've successfully completed at least one small redemption end-to-end. That's the protocol I run on every new operator and it's saved me real money over the years.
Where you can actually play
Joe is restricted in 13 states per our record: California, Connecticut, Delaware, Idaho, Louisiana, Michigan, Montana, Nevada, New Jersey, New York, Tennessee, Washington, and West Virginia. That leaves 37 states open, which is broader than what a lot of sweeps operators allow.
The presence of California and New York on the exclusion list isn't surprising, both are active fronts for sweeps litigation and operators have been pulling out of those states proactively.
If you're in CA or NY, this one is a no. Texas, currently the loudest legal battleground for the sweeps category, is NOT on Joe's exclusion list as of our record, read into that what you will. State legality is moving fast right now, so check the operator's footer for your state before you sign up, the exclusion list could change before this page does.
No Canadian provinces on the eligibility list, Joe is US-only based on what's documented.
How Joe stacks up against the field
Direct comparison against three sweeps brands with longer track records:
| Metric | Joe | Pulsz | Stake.us | McLuck |
|---|---|---|---|---|
| Year live | 2025 | 2020 | 2022 | 2022 |
| Game count | ~500 | ~700+ | ~400+ | ~700+ |
| Welcome SC | 0 SC (GC only) | ~2.3 SC | ~25 SC w/ purchase | ~2.5 SC |
| Daily SC | 0.2 SC | ~0.3 SC | variable | ~0.3 SC |
| Redemption min | 100 SC | 50 SC | 50 SC | 50 SC |
| Redemption rails | Card, gift card | ACH, PayPal, gift card | Crypto, ACH, gift card | ACH, gift card |
| Operator SLA | 1-5 days | 1-5 days | 24-72h (crypto) | 1-5 days |
| Live dealer | No | Yes | Yes | No |
Competitor figures from operator-published terms and our prior reviews, verify on each operator's site before relying on them in your own decision.
Joe trails on every bonus and redemption metric in this table. The only place it doesn't lose outright is game count, 500 is respectable for a brand under a year old. State availability is comparable to the field.
VIP and loyalty, the black box
Our record flags a VIP system as detected (vip_tiers source: platform_features), but the operator doesn't publish a tier table, threshold list, or named-benefit doc that I could pull from primary sources. Translation: there's some kind of progression baked into the platform, but it's not public-facing in a way I can analyze or grade.
Compared to Stake.us Rank or Pulsz's published VIP ladder, Joe's loyalty story is opaque.
If you're a high-volume player who cares about cashback rates, redemption ratios, or comp-program economics, you're flying blind on this one. I'd rather have a documented VIP page I can run the math on than a black-box system the operator describes generically. Take that as a meaningful negative for serious players.
Trust read
I'm not aware of payout complaints, account-ban reports, or terms-violation incidents involving Joe at the time of this writing. That cuts both ways, there's no smoke I can find, and there's also not a long enough operating history to tell you the system has been stress-tested through a hostile redemption cycle.
Sweeps operators have been known to honor redemptions cleanly for the first 12 months and then change posture under financial pressure. The only thing that builds real confidence is years of paid-out redemptions across many users, and Joe doesn't have that yet because Joe hasn't been around that long.
Neptune Digital LTD isn't traceable to a recognized iGaming group from public sources I've checked. New brands without a deep parent are higher-variance plays, sometimes they grow into solid mid-tier operators, sometimes they vanish in a regulatory squeeze. Don't let your SC balance get ahead of your trust level on any new operator, including this one.
Verify the redemption rail with a small first cash-out before you build a position.
The verdict
I don't see a strong reason to make Joe your primary sweeps platform right now. The bonus economics are weak across the board (no welcome SC, no first-purchase match, slowest daily SC accrual in the comp set, double the redemption minimum of the field). The redemption rails are limited (card and gift card only, no ACH/PayPal/crypto). The provider mix is unusual for the sweeps category.
The operator is new with no traceable parent group.
What's it good for? If you're in an eligible state, want to spend a small amount to test the platform, and you specifically prefer push-to-card redemption over ACH, Joe is a functional product. The 500+-game catalog is real. The slot math is the slot math regardless of the brand on the front end.
It's not a scam from anything I can see.
But functional and not-a-scam is the floor for being included in our rankings, not a reason to play here over Pulsz, Stake.us, or McLuck. Joe lands in the lower-mid tier of our current sweeps standings. Worth watching to see if Neptune Digital builds out the bonus economics, expands redemption rails, and documents a VIP program over the next 12 months. Not worth making it your home base right now.
Responsible gaming
Joe doesn't publish a responsible gaming URL in our record, which means no public purchases-limit tools, session timers, or self-exclusion documentation that I can verify from primary sources.
If you need those tools, contact support and request them in writing, keep the response in your inbox so you have a record.
External resources that work regardless of the operator:
- National Council on Problem Play: 1-800-522-4700 (24/7)
- Gamblers Anonymous: gamblersanonymous.org
- SAMHSA: 1-800-662-4357
- Crisis Text Line: text HOME to 741741
The reality check I close every sweeps review with: the only way for any sweeps operator to make money in aggregate is for players to lose more than the operator pays out. Sweeps Coins are entertainment with negative expected value, not income. PLEASE DO NOT PLAY WITH MONEY YOU CANNOT AFFORD TO LOSE.
FAQ
What's the welcome bonus at Joe Casino?
50,000 Gold Coins on signup. There is no Sweeps Coin component to the welcome and no first-purchase match documented in primary sources. SC accrues through the 0.2 SC daily login, the AMOE mail-in route, and bundled SC inside GC purchase packages.
How long do payouts take at Joe Casino?
The operator's published SLA is 1-5 business days. First-time redemptions typically take longer because of KYC review on top of the SLA window. I haven't run a personal redemption test on Joe yet, so the real distribution from a sample of redemptions is something I can't quote with confidence.
What states is Joe Casino restricted in?
Per our record, 13 states: California, Connecticut, Delaware, Idaho, Louisiana, Michigan, Montana, Nevada, New Jersey, New York, Tennessee, Washington, and West Virginia. Verify on the operator's site before signing up, sweeps exclusion lists move with state regulatory pressure.
Is there a first-purchase bonus?
Not documented. Most sweeps operators front-load SC into the first GC pack, Joe doesn't, which makes the first-redemption math worse than the field average.
What providers does Joe use?
RTG, Betsoft, Rival, Visionary iGaming, BGaming, Evoplay, Booming Games, Spinomenal, Dragon Gaming, 3 Oaks Gaming, and NetGaming. The first four are an older US-facing offshore-style stack, which is unusual for the sweeps category, the rest are common across the field.
Is there live dealer at Joe Casino?
No. Visionary iGaming's RNG content is on the platform but their live-dealer studios are not.
Does Joe Casino have a VIP program?
Our record shows a VIP framework is detected in the platform, but the operator doesn't publish a public tier table, threshold list, or named-benefit document. Treat the loyalty story as opaque until they document it.
What's the minimum to redeem at Joe Casino?
100 SC, equivalent to $100 at the standard $1-per-SC rate. That's double the 50 SC minimum at Pulsz, Stake.us, and McLuck, a real friction point for players building SC slowly through the daily bonus and AMOE.
Where this casino is available
Where Joe is available
51 US states and DC (50 states plus Washington, DC). Use the lookup to check one state, or browse the grid on larger screens. Green cells are not listed as prohibited in operator data. Red cells match operator-stated restrictions. This is not legal advice.
Tap a state for availability detail and last-checked date.
- Available
- Available
- Restricted
- Restricted
Browse states
Tap a state for the same details as the desktop grid. This list stays on small screens where the wide grid is hidden.
Why is it restricted in 13 US states?
Restrictions below reflect operator-stated prohibited US states in CasinoRankr listing data. This is an availability note, not legal advice. Verify current terms on the operator site before signing up.
Purchases, redemptions, and KYC
Payment Methods
Mobile website and app status
Mobile app status
Joe is listed as mobile-web only in this review record. Use the site in a browser and check the operator directly before installing any app that claims to be affiliated.
Mobile Experience
No dedicated app. Mobile browser site is responsive and functional, with full access to the 120+ slot library. Performance is stable, but lacks app-specific features.
Customer support
Live chat support: Not verified
Support details were not independently verified as of Apr 22, 2026.
Frequently asked questions
Legality & availability
- Joe Casino is a legitimate sweepstakes casino operating under US promotional law. It's run by Neptune Digital LTD and launched in 2025. The site uses SSL encryption and offers a mail-in request for free SC, which are good signs. However, it lacks transparency about its physical address and has no established track record. It's probably safe for small play, but I wouldn't trust it with large amounts due to the missing public details.
- Joe Casino is available in 36 US states. It is restricted in 14 states, though the exact list isn't prominently displayed on their site. Common restricted states for this model include Washington, Idaho, Nevada, Michigan, and New York. The site is also not available in any Canadian provinces. Always check their official terms and conditions for the most accurate, up-to-date list before signing up.
Gameplay & bonuses
- Joe lists a 50K GC welcome offer. Use the signup screen as the final source for limited-time bonus changes.
- Joe does not have a native mobile app in the current listing. Use the mobile browser experience and verify any legacy app references before downloading.
- No, Joe Casino does not have a VIP or loyalty program. There are no tiers, no rakeback, no weekly reload bonuses, and no dedicated host. Your playthrough earns you no additional rewards. This is a major drawback for regular players compared to sites like Stake.us or McLuck, which have structured reward systems.
- Joe is listed with about 500+ games. Use the live lobby for the exact current provider mix and title count.
- You can get free Sweeps Coins at Joe Casino in two ways. First, by logging in daily to claim the 0.20 SC bonus from the promotions page. Second, by using the Alternative Method of Entry (AMOE), which involves mailing a written request to their address to receive free SC. There are no social media giveaways or referral bonuses that I could find.
- The daily login bonus at Joe Casino is 2,000 Gold Coins and 0.20 Sweeps Coins. You must log into your account and manually claim this bonus from the promotions page every 24 hours. It does not automatically credit to your balance. The 0.20 SC adds up slowly, taking 500 days to reach the 100 SC redemption minimum without any purchases.
Payments & KYC
- Joe lists a 100 SC minimum redemption ($100). Complete KYC before your first redemption and confirm the cashier threshold before submitting.
General
- Joe Casino doesn't compare well to Pulsz. Pulsz has over 500+ games, a level-up loyalty system, frequent bonus drops, and often offers 30+ SC in welcome promotions. Joe has 120 slots, no VIP program, and only gives 50,000 GC on signup. Pulsz's redemption options are also more varied. For game variety, promotions, and overall value, Pulsz is the clear winner by a landslide.
- Joe Casino states that redemptions are processed within 72 hours. This means 1-3 business days after you submit your request. They offer payouts via push-to-card (Visa/Mastercard) or gift cards. This is slower than instant crypto payouts at sites like Stake.us but is similar to standard bank transfer times at other sweepstakes casinos like Chumba.
- No, you cannot play Joe Casino in Canada. The site explicitly prohibits players from all Canadian provinces. This is a common restriction for US-focused sweepstakes casinos due to differing sweepstakes and gaming laws. If you are in Canada, you will be blocked from accessing the site or creating an account.
Sources, references, and review updates
Source list
Structured source records attached to this review. Some entries are context sources, not proof for the strongest claims on the page.
[1] Joe Casino Terms and Conditions — joecasino.com
Tier 1 · Primary support · Official source · Accessed Apr 22, 2026 · Open link
[2] Joe Casino Homepage — joecasino.com
Tier 1 · Primary support · Official source · Accessed Apr 22, 2026 · Open link
[3] Joe Casino Sweepstakes Rules — joecasino.com
Tier 1 · Primary support · Official source · Accessed Apr 22, 2026 · Open link
[4] Joe Casino FAQ — joecasino.com
Tier 1 · Primary support · Official source · Accessed Apr 22, 2026 · Open link
[5] CasinoRankr Research Dossier – Joe Casino — casinorankr.com
Tier 1 · Primary support · CasinoRankr record · Accessed Apr 22, 2026 · Open link
[6] Operator terms and conditions — joecasino.com
Tier 1 · Primary support · Official source · Open link
Supports: terms, bonus, redemption
Joe is a sweepstakes casino with no community rating sample yet on CasinoRankr. CasinoRankr's Bayesian formula (prior mean 4.0, prior weight 10) dampens casinos with small vote samples so rankings reflect sustained player sentiment, not a handful of early opinions. Community confidence label: Awaiting community votes. 0 votes. No community rating sample has accumulated yet. Verdict: Not Recommended. Welcome bonus: 50K GC (source-backed). Payout timing: 1-5 business days (source-backed). Pros: 500+-game library is real and bigger than older third-party reviews report.. Push-to-card redemption to Visa or Mastercard debit is a clean payout rail when it works.. Daily 0.2 SC login bonus is consistent and requires no purchase.. Cons: No SC in the welcome bonus and no first-purchase match, slowest first-redemption path in our comp set.. $100 redemption minimum is double what Pulsz, Stake.us, and McLuck require.. 0.2 SC daily means roughly 500 logins to hit the redemption floor on free play alone.. Source: CasinoRankr, reviewed by HKGambler, verified 2026-04-22.
What changed
Testing dates or hands-on walkthrough notes were updated after a retest.
FAQ answers were refreshed for clarity and evidence labeling.
Public review wording was refreshed for clarity and evidence labeling.
Testing dates or hands-on walkthrough notes were updated after a retest.
FAQ answers were refreshed for clarity and evidence labeling.
Public review wording was refreshed for clarity and evidence labeling.
FAQ answers were refreshed for clarity and evidence labeling.
Public review wording was refreshed for clarity and evidence labeling.
Sources, compliance links, or trust notes attached to this review were revised.
Public review wording was refreshed for clarity and evidence labeling.
FAQ answers were refreshed for clarity and evidence labeling.
Public review wording was refreshed for clarity and evidence labeling.
View full history (7 more)
This review was added to the canonical CasinoRankr review library.
Public review wording was refreshed for clarity and evidence labeling.
Operator legal entity, address, or parent company on file was revised.
Public review wording was refreshed for clarity and evidence labeling.
Sources, compliance links, or trust notes attached to this review were revised.
Public review wording was refreshed for clarity and evidence labeling.
This review was added to the CasinoRankr review library.
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Sweepstakes alternatives
Responsible gaming
Responsible-gaming reminder
- Set a spend limit before you start and stop when it is reached.
- Never borrow, chase losses, or treat play as a way to make money.
- Take a break or use self-exclusion tools if play stops feeling controlled.
Responsible Play
Final but necessary parting words: please do not play with money that you cannot afford to lose. Casino play is not a money-making method and long-run outcomes favor the house.