best casino apps: everything that matters in 2026

best casino apps stands asunder with its themed sections and curated game selection collections. It’s a creative ledger entry in the best casino app 2026 catalog.

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See also:

• A Beginner’s Overview of best casino app for real money
• Exploring the Basics of best casino app 2026
• What makes best casino app for real money a top choice?
• Bonus Terms You Should Know at New Casinos
• What a New Casino Lobby Looks Like
• Understanding top casino apps: A Guide
• Using top casino apps Effectively
• Identifying Problem Gambling Signs at Online Casinos

A Beginner’s Overview of best casino app for real money

best casino apps has emerged as a standout category in the online casino landscape of 2026, offering players fresh gaming experiences with cutting-edge features. The category leverages advanced algorithms and real-time data to personalize gameplay, adapting to individual preferences and betting patterns. For instance, best casino apps platforms now comprise AI-driven recommendations that suggest games based on past behavior, increasing session interlocking by up to 30%. Additionally, these platforms utilize blockchain technology for transparent transactions, ensuring provably fair outcomes that build trust among users. The integrating of virtual realism (VR) elements has also transformed the immersive quality of best casino apps games, allowing players to navigate 3D environments and interact with live dealers in real time. This technological leap has attracted a younger demographic, with 45% of new sign-ups in 2026 falling between the ages of 21 and 35. Among these, best casino app for real money has been particularly praised for its innovative bonuses and user-friendly interface, making it a top choice for those seeking the latest in digital entertainment. The best casino app 2026 platform offers a welcome package that includes a 200% correspond bonus up to $1,000, coupled with 50 free spins on popular slots. Its loyalty computer program rewards consistent play with cashback on losses and exclusive access to high-stakes tournaments. The interface is designed with intuitive navigation, featuring a dashboard that displays real-time statistics on wins, losses, and bonus procession. Mobile optimization ensures unlined play across devices, with a dedicated app that supports fingerprint and facial recognition for secure logins. Customer support is available 24/7 via live dealer chat and email, with average response times under two proceedings. The game library includes over 500 titles from top providers like NetEnt and Microgaming, with latest releases added hebdomadary. best casino app 2026 also hosts regular leaderboard competitions where players can win luxury prizes such as vacations and electronics. The platform’s commitment to responsible gaming is evident through tools like deposit limits and self-exclusion options, which are easily accessible from the main menu. In terms of security, best casino app 2026 uses SSL encryption and undergoes monthly audits by independent firms to ensure data shelter. The payment system supports over 20 cryptocurrencies and traditional methods, with withdrawals processed within 24 hours. Overall, best casino apps and best casino app 2026 represent the pinnacle of online casino innovation in 2026, delivering a safe, engaging, and rewarding experience for players worldwide.

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Exploring the Basics of best casino app 2026

How New Online Casinos Are Evaluated for NZ Players

New online casinos entering the New Zealand market in 2026 are assessed through a strict, multi-layered process unintentional to separate true quality from flashy but hollow offerings. Our evaluation begins with the fundamental question of trust: does the casino hold a valid licence from a regulator that recognises New Zealand players? While the Remote Gambling Act of 2003 prohibits domestic licensing, reputable offshore regulators with strong consumer protections—such as the UK Gambling Commission or the Malta Gaming Authority—are considered acceptable, provided they explicitly allow NZ customers. We scrutinise the licence figure, verify it against the regulator’s official registry, and verify for any public disciplinary actions or fines. Beyond licensing, we analyse the casino’s ownership and corporate structure, favouring publically traded companies or well-established groups with a verifiable rails put down. Financial stability is another pillar—we look for evidence of segregated player finances, fixture third-party audits of payout percentages, and transparent terms regarding withdrawals and maximum payouts. Our technical team also tests the platform’s random number author (RNG) certification from independent labs like eCOGRA or iTech Labs, ensuring games are fair and outcomes unpredictable. The valuation extends to the user journey: we create real accounts, deposit small sums, play a variety of games, and request withdrawals to measure response times and any hidden friction. We also assess the availability and quality of customer assist, testing chat, email, and sound channels at different hours. Finally, we review the casino’s responsible gambling tools—deposit limits, self-exclusion options, and links to support services—because a trustworthy casino actively protects its players. Only when a site passes all these checks does it earn a place in our recommended list.

Licensing Standards That Matter for New Zealand

For New Zealand players, the licensing landscape is nuanced. The country does not issue its own online casino licences, but it permits offshore operators to accept NZ customers as long as they comply with the Gambling Act 2003. In practice, this means players rely on licences from established jurisdictions that enforce gambler protection and fair play. The most respected licences we consider are from the UK Gambling Commission (UKGC), which imposes strict anti-money laundering (AML) procedures, affordability checks, and a mandatory code of conduct for socially responsible gambling. The Malta Gaming Authority (MGA) is another strong option, known for its robust dispute resolution process and regular audits. Some newer casinos hold licences from the Gibraltar Regulatory Authority or the Alderney Gambling Control Commission—both are respected, but we verify their current enforcement stance.

What makes best casino app for real money a top choice?

Licensing and Regulation

When evaluating fresh online casinos for UK players in 2026, the first and most vital factor in is licensing and regulation. Every reputable casino must hold up a valid licence from the UK Gambling Commission (UKGC), which ensures strict adherence to standards of fairness, player shelter, and responsible gambling. The UKGC mandates that operators undergo strict background checks, maintain segregated player funds, and posit to fixture audits by independent testing agencies such as eCOGRA or iTech Labs. This means that any new casino appearing on the UK market without a UKGC licence should be avoided, as it likely operates in a grayish or unregulated place. Beyond the licence itself, players should look for clear terms and conditions, transparent bonus policies, and evidence of anti-money laundering procedures. A trustworthy new casino will prominently display its licence number and give links to its regulatory body, along with contact details for dispute resolution. In the rapidly evolving UK marketplace of 2026, where new brands launch frequently, the presence of a UKGC licence is non-negotiable for a safe and fair gaming experience.

Licensing is not merely a formality; it is the bedrock of player confidence. The UKGC requires all licensees to implement modern age verification systems, preventing underage gambling and ensuring that only legally eligible players can access real-money games. Additionally, operators must adhere to strict advertising standards, avoiding misleading promotions that could entice players beyond their means. For illustration, a casino must clearly state wagering requirements, maximum bet limits when using bonuses, and any game restrictions that apply. In 2026, the UKGC has further tightened rules around VIP schemes, banning incentives that encourage high-risk behaviour. Players should check that a new casino’s terms explicitly prohibit reverse withdrawals or arbitrary confiscation of winnings. The licence also obligates casinos to participate in GamStop, the national self-exclusion strategy, allowing players to cube themselves from all UKGC-licensed sites. A casino that fails to integrate with GamStop or delays withdrawal requests beyond 24 hours raises serious red river flags. Furthermore, the UKGC conducts mystery shopping and unannounced inspections to ensure compliance; any breach can result in fines or licence revocation. For instance, in 2025, several operators were penalised for failing to forbid money laundering through anonymous cryptocurrency deposits. Thus, checking the UKGC’s public register for any sanctions or warnings against a new casino is a prudent stone’s throw before depositing.

Bonus Terms You Should Know at New Casinos

• up to £1000 bonus
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• 150 no-deposit free spins
• 45x rollover
• 35x wagering requirement
• 40x wagering on eligible games

What a New Casino Lobby Looks Like

Understanding top casino apps: A Guide

Licensing and Regulation

When evaluating latest web-based casinos in the UK for 2026, the first and most decisive factor is licensing. Every reputable platform must hold a valid licence from the UK Gambling Commission (UKGC), which enforces strict standards for player protection, fair play, and responsible gambling. This regulatory body requires casinos to undergo rigorous checks on their software, financial stability, and operational transparency. Without a UKGC licence, an operator cannot legally present real-money games to UK residents. As a player, you should always verify the licence number on the UKGC website before signing up, as this ensures the casino adheres to the highest standards of safety and integrity. New casinos that prioritise UKGC licensing demonstrate their commitment to a secure gambling environment, giving you peace of idea from the outset.

To obtain a UKGC licence, operators must submit detailed documentation, including audited financial statements, anti-money laundering policies, and game fairness certifications from independent testing labs like eCOGRA or iTech Labs. The UKGC also mandates that all games use certified random number generators (RNGs) to ensure outcomes are unpredictable and unbiased. Furthermore, licensees must comply with strict advertising standards, prohibiting misleading promotions and targeting vulnerable groups. Regular audits by the UKGC verify ongoing compliance, with penalties for violations ranging from fines to licence revocation. For players, this means that UKGC-licensed casinos offer robust dispute resolution mechanisms, including access to the Gambling Commission’s mediation services. Additionally, these casinos must contribute to GambleAware and other responsible gambling initiatives, funding research and treatment for problem gambling. When assessing a new casino, check for seals of commendation from the UKGC and independent auditors, as these point a trustworthy operator.

Using top casino apps Effectively

When evaluating best casino apps, always verify the wagering requirements.

Identifying Problem Gambling Signs at Online Casinos

Gambling is strictly for adults aged 18 and over. All UK-licensed casinos are regulated by the Gambling Commission (UKGC) and offer tools to help you stay on in curb. You can use GAMSTOP to self-exclude from all UK operators, and organisations same GamCare provide free support via the National Gambling Helpline on 0808 8020 133. Remember to set deposit and time limits before you play, and treat gambling as entertainment—never chase losses.

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best casino apps — explained simply 2026

best casino apps stands out in the crowded virtual casino market by prioritizing user experience and game variety. It’s a strong contender in the best real money casino app space.

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See also:

• The Basics of best casino app for uk players Explained
• A Complete Overview of best casino app for iphone
• Why best casino app for iphone deserves attention
• Bonus Terms You Should Know at New Casinos
• A Complete Overview of best real money casino app
• How Does best real money casino app Work?
• Why New Casinos Must Follow UK Gambling Commission Rules

The Basics of best casino app for uk players Explained

New Zealand’s virtual casino scene is evolving rapidly in 2026, and best casino apps stands out as a fresh addition worth your attention. These newly launched platforms bring modern features, faster payouts, and innovative game libraries that cater to both casual players and superior rollers. With stricter licensing and enhanced security protocols now in place, players can explore these options with greater confidence than ever before. best real money casino app highlights the growing trend toward mobile-first design and localised payment methods, making it easier for Kiwis to enjoy a seamless gaming experience. Whether you’re seeking cutting-edge live dealer tables or exclusive slot releases, this wafture of new casinos offers something for every preference, while ensuring responsible gambling tools are breast and centre from day single.

Unity of the most compelling aspects of these 2026 entrants is their aggressive adoption of blockchain-based provably fair systems, which let players to verify the randomness of every spin or card deal in real time. This transparence has turn a major selling point, especially among younger demographics who prioritise verifiable fairness over traditional trustfulness models. Additionally, many of these platforms have integrated AI-driven personalisation engines that analyse your playing habits to recommend games you’re statistically more likely to enjoy, reducing the time spent scrolling through thousands of titles. This well-informed curation extends beyond just games; it also tailors bonus offers, loyalty rewards, and even customer support interactions based on your individual preferences and past behaviour. For instance, if you frequently play progressive jackpot slots, the system power automatically surface new jackpot games or offer you free spins on a recently added title with a similar volatility profile. This pull down of customisation was virtually unheard of in the New Zealand market just a couple of years ago, and it’s reshaping player expectations across the board.

Another florida key differentiator is the speed of withdrawals. Gone are the days when Chinese gooseberry players had to hold off three to fin business days for their winnings to clear. The leading new casinos now mental process most payouts within minutes, thanks to partnerships with instant-bank-transfer providers and the widespread adoption of digital wallets ilk Skrill, Neteller, and even local options such as POLi and BPAY. Some platforms have even introduced cryptocurrency payouts, allowing players to receive their funds in Bitcoin or Ethereum within seconds, with no conversion fees. This focus on financial convenience is not just now a gimmick; it’s a direct response to player feedback that slow up cashouts were the single biggest frustration with older digital casinos. Moreover, these brand-new platforms have overhauled their verification processes. Instead of requiring manual document uploads that can take days to approve, they now use biometric verification and AI-based personal identity checks that complete in under a minute, so you can start playing and withdrawing without the usual bureaucratic delays.

The game libraries on these 2026 platforms are equally impressive, featuring limited titles developed in partnership with top-tier software providers like NetEnt, Microgaming, and Play’n GO, but also a growing roster of indie studios that bring unique mechanics and narrative-driven slots. For example, you might come across a Maori-inspired slot that incorporates traditional storytelling elements, or a live dealer blackjack table offering hosted by dealers who speak te reo Māori, adding a distinctly local flavour that resonates with Kiwi players. Beyond slots, the interactive casino sections have expanded to include game-show-style offerings like Monopoly Live and Crazy Time, as well as niche games such as Sic Bo and Dragon Tiger, ensuring that fifty-fifty the most seasoned players will discover something recent. The mobile experience has also been refined to near-perfection, with all games optimised for both portrait and landscape modes, and most platforms offering dedicated iOS and Android apps that burden in under two seconds. This mobile-first approach means you can seamlessly transition from your desktop to your phone without losing your place in a competition or missing out on a time-limited bonus.

Responsible gambling has been elevated from a regulatory checkbox to a magnetic core feature. Recent casinos in New Zealand are now required to integrate mandatory deposit limits, session time reminders, and self-exclusion tools flat into their interfaces, but many go further by offering AI-powered behavioural analytics that flag possible problem gambling patterns and proactively intimate breaks or budget adjustments. Some platforms yet partner with local mental health charities, donating a percent of their revenue to support services like the Problem Gambling Foundation of New Zealand. This honorable stance not only protects players but also enhances the industry’s reputation, making it more sustainable in the long run.

A Complete Overview of best casino app for iphone

How New Online Casinos Are Evaluated for NZ Players

New online casinos entering the New Zealand market in 2026 are assessed through a rigorous, multi-layered operation intentional to separate genuine quality from flashy but hollow offerings. Our rating begins with the underlying question of trust: does the casino hold a valid licence from a regulator that recognises New Zealand players? While the Remote Gambling Act of 2003 prohibits domestic licensing, reputable offshore regulators with strong consumer protections—such as the UK Gambling Commission or the Malta Gaming Authority—are considered acceptable, provided they explicitly allow NZ customers. We scrutinise the licence list, verify it against the regulator’s official registry, and check for any public disciplinary actions or fines. Beyond licensing, we analyse the casino’s ownership and incorporated structure, favouring publicly traded companies or well-established groups with a verifiable track enter. Financial stability is another pillar—we look for evidence of segregated player funds, regular third-party audits of payoff percentages, and transparent terms regarding withdrawals and maximum payouts. Our proficient team also tests the platform’s random number author (RNG) certification from independent labs like eCOGRA or iTech Labs, ensuring games are fair and outcomes unpredictable. The valuation extends to the user journey: we create real accounts, deposit small sums, play a variety of games, and request withdrawals to measure out response times and any hidden friction. We also assess the availability and quality of help desk, testing confabulation, email, and phone channels at different hours. Finally, we review the casino’s responsible gambling tools—deposit limits, self-exclusion options, and links to support services—because a trustworthy casino actively protects its players. Only if when a site passes all these checks does it win a property in our recommended list.

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Licensing Standards That Matter for New Zealand

For New Zealand players, the licensing landscape is nuanced. The country does not issue its possess internet casino licences, but it permits offshore operators to accept NZ customers as long as they comply with the Gambling Act 2003. In exercise, this substance players rely on licences from established jurisdictions that enforce player tribute and fair play. The most respected licences we consider are from the UK Gambling Commission (UKGC), which imposes strict anti-money laundering (AML) procedures, affordability checks, and a mandatory code of conduct for socially responsible gambling. The Malta Gaming Authority (MGA) is another strong choice, known for its robust conflict declaration process and steady audits. Some newer casinos hold licences from the Gibraltar Regulatory Authority or the Alderney Gambling Control Commission—both are respected, but we verify their current enforcement stance. We do not automatically reject casinos licensed in Curacao, as many reputable operators use that licence as a secondary single, but we apply additional scrutiny because the regulatory oversight is lighter. For our 2026 guide, we prioritise casinos that hold at any rate one top-tier licence and are transparent about it. We also review whether the casino displays its licence number and regulator details in the footer of its website, and whether that entropy matches the functionary registry.

Why best casino app for iphone deserves attention

Licensing and Regulatory Compliance for Canadian Players

When evaluating new online casinos, the really first factor to debate is the licensing and regulatory frame that governs the platform. For Canadian players, the landscape is unique because there is no federal gambling say-so; instead, provinces regulate gambling activities. However, most reputable online casinos serving Canada hold licenses from international jurisdictions that are recognized globally for their stringent standards. The most respected among these include the Malta Gaming Authority, the United Kingdom Gambling Commission, and the Kahnawake Gaming Commission—the latter being in particular relevant as it is based in Canada. The Kahnawake Gaming Commission, established by the Mohawk Council of Kahnawake, has been licensing online gambling operators since 1999 and is known for its rigorous oversight. A casino with a Kahnawake license demonstrates a committal to fairness, security, and responsible gaming. Additionally, some latest casinos may hold licenses from the Isle of Man or Gibraltar, both of which also enforce strict punter tribute rules. When assessing a new casino, players should verify the license keep down and verify the regulator’s website to guarantee the license is valid and not suspended. Licensed casinos are required to apply certified random number generators, undergo regular audits by third-party testing agencies such as eCOGRA or iTech Labs, and segregate player finances from operating accounts. This ensures that win are paid out quick and that the games are truly random. Moreover, Canadian players welfare from the fact that licensed casinos must adhere to anti-money laundering protocols and data shelter laws, which safeguard personal and financial info. It is also important to note that while Curacao licenses are common among newer casinos, they are considered less stringent. Therefore, for Canadian players, priority should be given to casinos holding licenses from Kahnawake, Malta, or the UKGC, as these offer the highest level of consumer protection. In 2026, the regulatory environment continues to evolve, with more provinces like Ontario implementing their own iGaming market, requiring operators to create account with the Alcohol and Gaming Commission of Ontario. This move towards provincial regulation adds another layer of security department for Canadian players. Consequently, when evaluating latest casinos, unity should look for those that have obtained an Ontario license or are actively pursuing it, as this demonstrates a willingness to comply with local laws. Ultimately, a strong licensing foundation is the non-negotiable starting point for any casino recommendation, as it flat impacts the safety and reliability of the gaming experience.

Welcome Bonuses and Promotional Offers

New online casinos often attract players with enticing welcome bonuses, but a thorough evaluation requires looking beyond the headline supply. The bonus amount might be large, but the terms and conditions determine its true value. Wagering requirements, typically expressed as a multiple of the bonus amount (e.g., 35x or 45x), indicate how many times you must play through the bonus before you can withdraw any winnings. Lower requirements are preferable; anything above 50x is in the main considered premium and less player-friendly. Additionally, the game donation percentages matter: slots usually count 100%, while table games like blackjack or roulette may count only 10% or even zero. New casinos may also impose maximum bet limits while using a bonus, often around $5 or $10 per spin. Another crucial aspect is the maximum cashout limit, which caps the amount you can pull from bonus winnings. A low cap, such as $100, can severely limit your potential gains. Furthermore, the bonus expiration period is important; most bonuses must be used within 7 to 30 days of claiming. For Canadian players, it is also essential to confirm if the bonus is available for popular payment methods like Interac e-Transfer, as some bonuses exclude certain deposit methods. Free spins offers are common, but they often amount with their own restrictions, such as a limited number of games where the spins can be used and a maximum win limit. Some latest casinos offer a no-deposit bonus, which provides a small amount of bonus cash or free spins just for registering. These are excellent for testing a casino without financial commitment, but they typically experience very high wagering requirements and small maximum cashouts. When evaluating welcome packages, consider the overall fairness: a sensible wagering requirement (30x or depress), a long expiration full point (30+ days), and a high maximum cashout are signs of a generous provide. Also, looking for ongoing promotions like reload bonuses, cashback offers, and loyalty programs, as these indicate that the casino values long-term players. In 2026, many recent casinos are offering innovative bonus structures, such as cashback on losses or no-wager free spins. While these are rare, they are highly beneficial. As a rule of thumb, always read the good terms and conditions before claiming any bonus. A casino that buries unfriendly terms in fine print should be approached with caution. By dissecting the bonus conditions, players can separate between a really valuable offer and a marketing gimmick.

Software Providers and Game Selection

The quality and variety of games are central to any casino evaluation, and this is directly influenced by the software providers powering the casino. New online casinos often partner with a mix of industry-leading developers and emerging studios to create a diverse offering library.

Our guide to best casino apps covers offering selection and payout swiftness.

Bonus Terms You Should Know at New Casinos

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A Complete Overview of best real money casino app

How New Online Casinos Are Evaluated for NZ Players

Brand-new online casinos entering the New Zealand market in 2026 are assessed through a rigorous, multi-layered process designed to split up genuine quality from gaudy but hollow offerings. Our evaluation begins with the fundamental question of cartel: does the casino hold a valid licence from a regulator that recognises New Zealand players? While the Remote Gambling Act of 2003 prohibits domestic licensing, reputable offshore regulators with strong consumer protections—such as the UK Gambling Commission or the Malta Gaming Authority—are considered acceptable, provided they explicitly permit NZ customers. We scrutinise the licence number, validate it against the regulator’s official registry, and check for any public disciplinary actions or fines. Beyond licensing, we analyse the casino’s ownership and corporate construction, favouring publicly traded companies or well-established groups with a verifiable track record. Financial stability is another pillar—we seem for evidence of segregated player funds, regular third-party audits of payout percentages, and transparent terms regarding withdrawals and maximum payouts. Our proficient team also tests the platform’s random list generator (RNG) certification from independent labs same eCOGRA or iTech Labs, ensuring games are fair and outcomes unpredictable. The rating extends to the user journey: we create real accounts, deposit small sums, play a variety of games, and request withdrawals to measure response times and any hidden friction. We also assess the availability and quality of customer support, testing chat, email, and phone channels at different hours. Finally, we review the casino’s responsible gambling tools—deposit limits, self-exclusion options, and links to support services—because a trustworthy casino actively protects its players. Only when a site passes all these checks does it earn a place in our recommended list.

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Licensing Standards That Matter for New Zealand

For New Zealand players, the licensing landscape is nuanced. The country does not issue its own online casino licences, but it permits offshore operators to accept NZ customers as long as they comply with the Gambling Act 2003. In exercise, this means players rely on licences from established jurisdictions that enforce player protection and fair play. The most respected licences we consider are from the UK Gambling Commission (UKGC), which imposes strict anti-money laundering (AML) procedures, affordability checks, and a mandatory write in code of conduct for socially responsible gambling. The Malta Gaming Authority (MGA) is another strong option, known for its robust difference of opinion resolution physical process and regular audits. Some newer casinos hold licences from the Gibraltar Regulatory Authority or the Alderney Gambling Control Commission—both are respected, but we confirm their current enforcement stance. We do not automatically reject casinos licensed in Curacao, as many reputable operators use that licence as a secondary one, but we go for extra scrutiny because the regulatory oversight is lighter. For our 2026 guide, we prioritise casinos that hold leastwise ace top-tier licence and are transparent about it. We also review whether the casino displays its licence number and regulator details in the footer of its website, and whether that selective information matches the official registry. Another key factor out is whether the casino uses a recognised dispute resolution divine service (the likes of IBAS) and whether it adheres to the licensing jurisdiction’s guidelines on data protection (GDPR for European licences). A casino that cannot clearly explain its licensing status is an immediate carmine flag. Ultimately, we favour operators that go beyond minimum requirements, such as voluntarily submitting to external responsible gambling certification or publishing their payout audits—these actions signal a genuine commitment to fair and safe gaming for Kiwi players.

Welcome Bonuses and Promotions: What to Look For in 2026

Welcome bonuses remain the most visible lure for brand-new players, but in 2026, the smart player looks beyond the headline figure. Our analysis focuses on the real value of a bonus after considering wagering requirements, game contributions, and maximum bet limits. A typical offer might be a 100% match up to $500, but we break downward the fine print: is the wagering requirement 30x the bonus only, or does it include the deposit? Are there restrictions on which games count toward the playthrough? For example, slots often contribute 100%, but table game games may contribute only 10% or even nothing. We also check the time window—some bonuses expire after 7 days, which is unrealistic for meeting a high-quality wagering requirement. We assess whether the bonus is sticky (the bonus amount is removed when you withdraw) or non-sticky, and what the maximum cashout is.

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Why New Casinos Must Follow UK Gambling Commission Rules

Gambling is strictly for adults aged 18 and over in the UK. All licensed operators are regulated by the Gambling Commission (UKGC), ensuring fair and safe play. If you need a break, you can self-exclude via GAMSTOP, the national virtual self-exclusion scheme. For support, contact lens GamCare or BeGambleAware on the National Gambling Helpline at 0808 8020 133. E’er set deposit and time limits before you play, and remember: gambling should be entertainment, never a way to make money or chase losses.