Best Online Casino Games for Finland Players. Finnish gamers looking for a fully-functional licensed site will find plenty of exciting games in slots, table games, and sports. They will be able to bet in internationally popular slots by top game developers like Microgaming, NetEnt and more. Online Casino Finland The bigger part of Finland’s population speaks Finnish (± 91%), while Swedish is also spoken by a large number of people. The excellent education system of Finland includes English as a mandatory language. As we have mentioned, the openness of the Finnish online gambling market means that you can legally play all online casino types in Finland. This means that in addition to slots and blackjack, you can play alternative titles such as bingo and poker. Gambling Laws and Authorities in Finland. The laws around Finland’s online gambling market are quite interesting. Currently, the state has licensed three state-run operations called by the name of Fintoto Oy, RAY, and Oy Veikkaus AB. Despite this, the country still tolerates its users visiting foreign online casinos.

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Finland is a country filled with people who love to gamble. If you were to look at some of the biggest ever progressive jackpot slot winners, or lottery wins, many of them come from the Nordic nation. Not only do Finns love to gamble, but they are also relatively free to do so in their own country. Finland is one of the most open nations around when it comes to gambling, both in land-based venues and online. Officially, there are rules and regulations which must be followed, as you might imagine. However, the reality of the situation is that Finns can do as they wish, whenever they want. This is unquestionably an online gambling market which is worth exploring in more detail.

An Overview of Gambling in Finland

Gambling

Finnish Casino Sites for Real Money. Most casinos in Finland offer free games, and all of them allow you to play for cash. The top online casinos such as Royal Panda come with lucrative jackpots and other types of games that can pay big sums of cash. Free play is great, but real money play is much better.

All forms of online gaming are legal in Finland. Initially, the country had several gambling laws, which include the Finnish Lotteries Act of 2001, and specific government decrees on games operated by Fintoto, Veikkaus, and RAY, or Raha-Automaattiyhdistys (Finland’s Slot Machine Association). This made things a touch complicated. Those companies have now merged to form Veikkaus Ltd, making things simple to understand.

The current situation in Finland is straightforward. Veikkaus Ltd has a monopoly for online gambling, so all Finnish licensed casinos are operated by this state-owned company. However, if you think that this limits the availability of betting sites you can play at, you are wrong. Finnish players not only have access to a wide selection of Veikkaus owned casinos but also lottery betting sites, sports betting websites and more. Finns also have access to offshore casinos, and this is what makes it one of the best countries in the world to live in if you wish to gamble online.

About Finnish Offshore Casinos

In theory, only Finnish online casinos are permitted to offer their services to Finns. Any casino which accepts Finnish players and is not licensed out of the country is undoubtedly illegal, right? Wrong. Finland does not actually state that foreign casinos (known as offshore casinos) are legal or illegal. If something is not officially declared illegal, then the grey-zone it falls in essentially becomes legal. This is the case with external and remote casino sites.

While some countries opt to crack down on offshore casinos by having their ISPs (internet service providers) blacklist them, Finland does not. In some countries, nationals and residents may be prosecuted for gambling at these domains, but they are not in Finland. On the contrary, the Finnish gambling authorities do absolutely nothing about this. This means that Finnish players are more than welcome to play at offshore casinos to their heart’s content. The country has not exactly given those players their blessing, but that does not really matter. It is thought that more Finnish players engage in gambling activities at offshore domains than are signed up at legal and licensed Finnish casino sites.

Ordinarily, this would present quite a problem for Finland. After all, every euro spent in an offshore casino is income which is not going into the Finnish purse. Given that the European Union (of which Finland is a member) is opposed to monopolies such as Veikkaus, it is not surprising to see Finland take a very calm approach to foreign sites, many of which are operating out of other EU countries. For the time being, that does not look set to change.

Finland’s Most Played Casino Games

Casino Games

Finns do love to gamble, and they are not overly bothered about what they wager on. Like in every country, the Finnish population has its favourites. However, Finns and more broad-minded when it comes to betting online, so seemingly anything and everything is up for grabs. Here are a few of the games you can expect to find commonly offered at Finnish online casinos.

Slot Machines:Slot machines always attract a crowd in Finland. In fact, the biggest ever payout on a progressive jackpot slot was won by a Finnish player and stands at over €13m. Finnish online casinos – whether they are licensed in the country or abroad – are usually packed with hundreds of slot games for Finns to play, with titles from Scandinavian software developers such as Net Entertainment amongst the most popular.

Card Games: Traditional casino card games are not as popular in Finland as online slots. Nevertheless, there is an ample number of people who are prepared to have a pop at them. These RNG (random number generator) games will typically include titles such as baccarat, blackjack, roulette, and perhaps even games such as craps and video poker.

Poker Games: Finland is a country which does not have any gambling laws relating to poker. However, it is assumed that the overarching gambling laws of the country also apply to poker. As a result, poker games are commonly found in Finnish online casinos and are amongst the most played games around. Poker rooms are limited in the country, so many Finns pop to offshore sites to play in top poker games and tournaments.

Live Dealer Casino Games: Finnish online casinos do support live dealer games. In most cases, these games come from the heavyweights such as Evolution Gaming and include baccarat, blackjack, roulette, money wheel games and more. It is not impossible to find titles which are playable in Finnish, either, with Finnish (Suomi) Roulette one such example from Evolution.

Lottery, Keno and Bingo: Lottery and bingo games which are played as instant win titles can regularly be found in Veikkaus licensed and owned casinos. However, if you wish to play proper lottery games, you need to head to specialist websites. Kultakuume, Smaragdi and Timantti are popular games which can be played in Finland.

As mentioned, Veikkaus has a monopoly on most gambling games in Finland. This means that many of their online casinos are multifunctional domains. You should not be surprised to see sports betting options available at these sites. Finnish sports betting options are a touch more limited than their offshore cousins. With that in mind, it is no surprise to see many Finns flock to foreign sites to get their dose of sports betting, either. Just like Veikkaus operated Finnish casinos, these offshore domains which cater to Finns will also likely carry multiple gambling games, including casino titles and perhaps even poker games.

Taxes on Big Wins at Finnish Casinos

Finland is one of a handful of major gambling countries which does not apply a gambling tax on players. Anything you win is yours to keep. It does not matter whether you win a few euros or millions of euros on a progressive jackpot slot – such as the €13m haul mentioned earlier. All wins are deemed the same and are free from tax.

However, this may not be the case if you are a professional gambler. Professional gamblers are often required to declare any winnings as income in many countries, and this could be the case in Finland, too. This depends on how much you win and how often you bet. You will need to prove that you gamble professionally for a start. You may also end up paying tax in interest gained from particularly big wins. This is true of all major incomes, though.

Finland has one of the lowest gambling taxes for casino operators in the world. Any operators which are licensed out of Finland (so, Veikkaus) are taxed at a rate of 8.25%. All the profits from those taxes are donated to charities, which certainly does not happen in too many other countries. As Veikkaus is a state-owned company, nobody tends to argue with that.

The Best Finnish Online Casinos to Join Today

Casino websites

By now, you will have read about Finland’s gambling laws, and perhaps gained a little insight into how things work. In short, if it is owned by Veikkaus, then it is legal. You will also have stumbled across the types of casino games that Finns just love to play, which are numerous. What makes a top Finnish casino, though?

We are going to end this piece by looking at the aspects which make a top Finnish online casino, and the best casinos for players in Finland. These terms do not only apply to casinos which are licensed out of Finland but also those which are licensed offshore, because as mentioned, they are technically legal, too. Let us begin…

Security and Safety: First and foremost, the best Finnish online casinos will always be licensed. Casinos which are state-owned will naturally be licensed by Veikkaus. However, offshore casinos should be licensed, too. In most cases, we would recommend playing at foreign domains which are licensed out of the United Kingdom, Gibraltar, or Malta. The reason for this is that those casinos are often the most well-regulated in the world, promote responsible gaming, and have continually proven themselves trustworthy over many years.

Greater Variety of Games: If we could criticise Finnish licensed casinos for one thing (apart from being part of a monopoly) we would have to say that their biggest downside is that they lack an extensive selection of games. Sure, there are many hundreds of slots you can play, and you have access to sports betting and table games, too. Why choose from hundreds of slots when you can opt to play thousands, though? Many of the best offshore Finnish casinos carry games from 20+ developers, and that gives you more choice when you are looking for something to play.

Finnish Payment Methods: Naturally, any top online casino, irrespective of where it is licensed, must offer the euro currency option to be deemed one of the best Finnish casinos. On top of that, though, it should also carry a range of top payment methods which work for Finnish players. Finnish players are partial to Euteller, credit card, debit cards and e-wallets. Mobile transfers are usually done with Zimpler (a Swedish payment method), although paying via phone bill is also a popular option. In recent years, some Finnish players have started to use Bitcoins to deposit into their accounts. Ultimately, the best Finnish casinos will be prepared for every eventuality. They will offer a wide range of banking options, with no added fees and speedy transaction times. In fact, some Finnish casinos process withdrawals instantly.

Finnish Support: Many Finns are quite good at English, so playing at an English language offshore casino is not likely to phase them. However, it does still help a casino stand out if it proves gameplay and support in Finnish. Many of the best sites will at least allow the casino’s interface to be displayed in Finnish, even if the customer support options which are available are in English. Naturally, at a Veikkaus-owned casino, everything is in Finnish from start to…well, finish.

No Sign-Up Process: Some Finnish licensed online casinos do not require players to sign up for an account. This is a similar process to what you might find at a handful of Swedish casinos. How this works is rather clever. Finland uses bank or mobile-based identification. This means that you sign into a casino using an e-signature such as BankID. You do not need to create an account, either. This type of responsible gaming platform often means that bonuses and promotions are not widely available. However, because there are precious few bonuses and no wagering requirements, casinos have no reason to delay your payouts. At these casinos, your withdrawals are processed instantly. You can have hold of your winnings in just a few hours, tops. This kind of no sign-up service is only available (for the most part) at Veikkaus operated online casino sites, not your run-of-the-mill offshore domains.

As you can see, there are many reasons why popping over to a Finnish online casino is worth your while. Moreover, if you do not like what Finnish licensed casinos have to offer, you have an abundance of choice when it comes to foreign casinos. As a Finn, you are at liberty to chop and change and play at virtually any major casino or gambling site on the net legally. It does not get much better than that.

Looking for the top online casino Finland sites in 2021? Choosing the top online casinos may look easy, but that’s far from the truth. As a matter of fact, the thousands of casinos at your disposal can just make things more confusing. Having a lot of options is great as long as all of them are great. Unfortunately, not all casinos are of equal quality.

That’s where we come in. Our experts have compiled a list of the absolute best casinos Finland you can find online in 2021. They are all legit and offer thousands of games as well as top bonuses and promotions. The best Finnish sites are on this list, so you can just point and click on one to get started. In the article below, our expert will tell you more about online casinos in Finland, if they’re legal, and answer all the questions you ever had about any online casino.

Detailed Casino Guide to the Best Finnish Sites

Online gambling is a very popular pastime in Finland. Finnish players get to choose from a huge variety of online casinos. That kind of competition is healthy. It pushes each gaming site to be better than the rest, and players gain the most from that competition.

However, as mentioned, not all casinos are equal in terms of quality. You have to pick the right one to truly enjoy the wonders of online gambling. That’s why we’re here. We’ll tell you everything you need to know about the best Finnish sites and how to choose the best online casino Finland.

What Do Finnish Casino Sites Offer?

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The battle between online casinos and land-based venues is everlasting. Finnish gaming sites hold the edge over landbased casinos in many aspects. First and foremost, they have a much larger collection of games. Second, they simply have better bonuses on offer, something that land-based venues can’t match.

If you’re looking for thousands of games and top promotions that will put more money in your pockets, you’re an online casino fan. There’s plenty of fish in the online casino Finland sea, and we’re going to tell you how to choose the best ones.

The Legality of Online Casinos in Finland

Since World War II, the gambling industry in Finland has been heavily regulated. That goes for the casino online market too. The European Union is constantly pushing for the end of the state monopoly, but so far, the Finnish government won’t budge.

Slots are very popular in Finland, yet can only be found in certain land based casinos. The good news is that you can either play at the state-run online casinos or sign up at offshore gambling sites. The government lacks the legal framework to prosecute players signing up at offshore sites, so you can play the top slots and table games in the industry without so much as a slap on the wrist.

Types of Online Casinos in Finland

Finland is an online gambling market ripe for the taking. There are plenty of different casinos offering different features and games. Among them are:

• Brand-new online casinos
• No registration casinos
• Play on the go mobile casinos
• Online casinos for real money
• Live casinos

Each type of casino has its pros and cons. We’ll talk more about them below and hopefully help you decide where you belong.

Attractive New Casinos

New Finnish gambling sites offer the latest games and features. While established casinos will also have a bunch of new features, you’re more likely to find new ones at new Finnish casino sites. These are the most modern gaming sites the industry has to offer. Kassu casino is one of them, offering an attractive design and pay by phone payments that give players the chance to pay by mobile phones.

Convenient Casinos Without Registration

Is there anything more convenient than a Finnish casino with no registration? These brand-new gaming sites give you a chance to play games without going through a lengthy registration process. They are also known as deposit and play casino sites and are something of an experiment that’s doing pretty well so far.

Pay N Play casinos have great potential and are quickly becoming a Finnish player’s favorite. They allow you to play on the go with no registration required. Even without a casino account, you can easily continue where you stopped when you get back for more.

Mobile Casinos

Players from Finland don’t need to stick to the front of their computer screens to enjoy their favorite games. They can play on the go with real money and get the best casino bonuses on the go. Mobile casinos can come with a native app or use mobile-optimized sites where you can play an online casino game via your browser.

Finnish Casino Sites for Real Money

Most casinos in Finland offer free games, and all of them allow you to play for cash. The top online casinos such as Royal Panda come with lucrative jackpots and other types of games that can pay big sums of cash. Free play is great, but real money play is much better.

Atmospheric Live Casinos

Landbased casinos have an atmosphere casino sites can’t match. Or at least they couldn’t until a few years ago. Thanks to live dealer games, you get the full land-based experience with innovative new features. Live casino games can be found at the top gaming sites such as William Hill casino, Frank casino, Voodoo Dreams, Genesis casino, Casino Planet, and many others.

The Criteria We Base Every Finland Casino Review On

When writing our reviews, our experts use a variety of criteria, including:

• Customer support
• License
• Safety and security
• Diverse payment methods
• Speed of payouts
• Variety of online casino games
• Bonuses and promotions
• Bonus wagering conditions
• Reasonable practices such as responsible gambling

These criteria help us construct transparent reviews that you can trust. We also take a look at the reputation of a Finland casino among players which is just as important as anything else.

License – the First Stop

If you ask us, the license is the most important criterium we check for. All the best Finnish sites on our list have a valid license from top governing bodies. Without it, we wouldn’t even touch a casino or sports betting site. An online casino Finland license is the minimum, while the top sites will have a license from the MGA or the United Kingdom Gambling Commission.

Reliability and Safety

The Finnish online casinos on our list employ a variety of safety and security measures for your convenience. These will keep your online presence protected and your money safe.

SSL encryption is the ‘default’ and can be found at reputable sites such as Ninja casino and Rizk casino. Every casino in the European Union is obliged to offer at least that level of attention, and most do. If there’s no valid SSL certificate, you can bet that something’s wrong.

Real Player Reviews

As mentioned earlier, we also check for the casino’s reputation among real players online. If there are too many negative comments about it, there’s a great chance that it’s wrong. A good Finland online casino would never be bashed by players if it does everything right.

Types of Online Casino Games

Modern online Finland casinos have it all. They offer thousands of games from top industry providers, spanning slots, blackjack, video poker, online roulette, and baccarat among many others. We usually take note of the top 10 games that can be recommended to Finnish players.

Free casino games

Smart players always try games for free. Whether it’s a slot or an RNG table game, it’s very important to play demos first before spending cash. Most video slots and video poker games as well as RNG baccarat, blackjack, and roulette titles can be played for free.

The only exception from this rule are live casino games that can only be played for cash.

Real money games

When you try a game for free and like it, you can proceed to real money gameplay. It’s a much more exciting way to play games, but be careful with it. If you don’t gamble responsibly, you will lose all your bankroll and maybe even more money.

That’s why Finnish online casinos offer help through responsible gambling programs that will try to limit your gambling activities when needed.

Games with a high return to player percentage (RTP)

If you’re a fan of slots, you would do great to play those with a higher RTP. While high RTP doesn’t guarantee wins, it surely gives you better chances. Slots with a high RTP can deliver stunning rewards, so they’re well worth your time and money.

Some of the best known examples include:

• Ugga Bugga – 99.07%
• Rainbow Riches – 98%
• Mega Joker – 99%
• 1429: Uncharted Seas – 98.6%
• Jackpot 6000 – 98.86%

Slots games

Slots are the most popular type of game in online gambling. They come in many shapes and sizes and can offer pretty lucrative cash rewards. Plus, you get to play them for free and real money too. They are a very simple game to play on desktop and mobile devices as well.

Aside from regular online slots, you can also play dozens of fixed and progressive jackpots which can offer prizes well beyond your imagination.

Jackpot and progressive jackpot slots

There are two types of progressive jackpot slots you’ll find in Suomi casino sites:

• Fixed: these games pay a fixed jackpot – for example, 5,000x your bet. They are more common and usually available across every casino in Finnish language.
• Progressive: progressive jackpots are the modern version of jackpot slots. These pay a much larger sum than the fixed jackpot machines. The progressive part means that the jackpot can grow infinitely, often delivering wins worth millions of coins. The most popular progressive jackpots in the industry are Mega Moolah and Divine Fortune.

Free slot machines

Finnish online casinos offer hundreds or even thousands of free slot machine games. You don’t need gambling guides to play these. As the name suggests, they’re available for free, so you can try them and see which type of slot you like.

Real money slots online

Real money slots online offer thrills rarely any other game can match. They are fun to play, can be played with spin bonuses or bonus spins, and pay solid cash prizes. Make sure to play responsibly, though, as real money gameplay in Finland online casinos can be dangerous if you’re not careful.

Best Finland Casino Payment Methods

If you want to play for real money in Finland online casino sites, you will need to fund your account first. This can be done with a variety of trustworthy payment providers, including credit cards, debit cards, bank transfers, and e-wallets. You can even play with cryptos in a regulated Bitcoin casino.

What you choose is up to you. A proper casino will offer instant deposits via all methods with no charge at all. Withdrawals are a bit slower, but you still get to use reputable options to collect your winnings.

The popular options for Finnish players include:

• Visa
• Bank transfer
• Mastercard
• Neteller
• Paysafecard
• Skrill
• GPay
• Siru Mobile
• Bitcoin
• Trustly
• Siirto
• Zimpler
• ecoPayz
• Euteller

Fast Payouts Casinos

When you choose a casino to play with, it’s vital to check its withdrawal options. After all, you will win some money (hopefully regularly) which you can’t withdraw in any other way than the methods accepted.

Most players will use e-wallets these days as they are the fastest payment method. Keep in mind that the speed depends if your profile is verified or not. Make sure to send your documents after signing up in order to make effortless payouts.

Finnish Gambling Casino Software Providers

The online gambling industry in Finland has never been more alive. There are dozens of great providers, each one focusing on all or particular games. Here are the most popular ones players from Finland can enjoy:

• Microgaming: an Isle of Men studio that’s among the oldest in business. Focuses on slots, but delivers table games as well. The biggest Microgaming hits are Mega Moolah and Immortal Romance.
• NetEnt: a predominantly slot studio, NetEnt dazzles with great gameplay and graphics. The top NetEnt hits are Starburst and Gonzo’s Quest.
• Play’n GO: Play’n GO offers fun titles that feel great on mobile devices. They aren’t the highest-paying games, but slots such as Book of Dead are certainly fun and rewarding.
• Yggdrasil Gaming: Yggdrasil makes the best-looking slots in the industry. The slot studio is also behind some innovative mechanics such as Splitz and Gigablox. The top hits in its library are the Vikings slot series.
• Evolution Gaming: the king of live casino games. Evolution has revolutionized live table and card games, delivering hits such as Lightning Roulette and Crazy Time.

Bonuses and Promotions

When you play in Finnish casinos online, you will love the reward they have to offer. Every online casino Finland has a welcome package and further deposit bonuses on offer.

These are complemented by huge batches of free spins, no deposit bonuses, and loyalty rewards too. The best Finnish sites will keep the wagering requirements low and the terms conditions fair, allowing you to collect your hard-earned bonus winnings in a flash. The most popular bonuses you can get are:

• Welcome bonuses: welcome packages usually consist of a deposit bonus and free spin These are given upon registration.
• Deposit bonuses: bonuses you get when you make a deposit. They can cover your deposits in full or partially.
• No deposit bonuses: smaller free play bonuses that are rare to find. While there’s no deposit required, they still have wagering requirements to complete.
• Reload bonuses: deposit bonuses that are usually aimed at regulars.
• VIP programs: offer exclusive rewards for the most frequent players in Finnish online casinos.
• Free spin: slots bonuses are quite common and a godsend for slot fans. You can usually get up to 100 free spins with ease for the top slots.

Availability of Live Dealer Games

Live dealer games are the latest and greatest online gambling industry achievement. Finnish players can enjoy them in the best casinos for real money. If you’re looking for the best live dealer titles, make sure to find an Evolution Gaming casino.

Choose a fast deposit casino site from our list and you will top up your account in a flash and play at live dealer tables.

Mobile Casinos for Finnish players

You don’t have to sit in front of your PC to play online casino games. You can do that through your smartphone. Play on the go casinos are very popular in Finland and quite easy to access. They offer instant deposits and smooth gameplay, which makes them a Finnish player’s favorite.

Mobile casinos are super convenient, especially if they have a native app. In 2021, the majority of casinos are available for Android and iOS smartphones and tablets.

The Importance of Competent and Friendly Customer Support

While usually underrated, we believe that a good online casino site should have competent and friendly customer support professionals. In most cases, you will be able to contact the casino via the Contact Us page. Many top-rated Finnish gambling sites have a FAQ page that offers answers to commonly asked questions.

The most commonly available customer service channels are:

• Live chat
• Email
• International phone number
• Social media sites (Facebook, Twitter)
• Telegram

Responsible Gambling

Online casinos in 2021 operate under strict laws and aim to help players in need. Gambling can be dangerous if you’re reckless and not careful with your money. If you ever need help, most casinos have some kind of a Responsible Gambling or Gamblers Anonymous program dedicated to your needs.

These programs will allow you to set limits for yourself and even exclude yourself from the site if the need arises. Don’t hesitate to use these tools at your disposal – sometimes, it’s better to take a break than continue falling down a hole.

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Top Tips and Tricks for Online Gambling

• Quit while you’re ahead. Just because you’ve won a few rounds doesn’t mean you’ll be a frequent winner.
• Limit your bankroll. When you go over the daily limit, log out and try another day.
• Never chase your losses. It’s the first step toward gambling addiction.
• No matter the game you’re playing, you will lose some and win some.
• Games of luck may deliver fantastic wins, but you can’t influence the outcome.
• If you’re playing games of skill, make sure to hone your skills before choosing a table.

Conclusion

We believe that our guide to online gambling in Finland has clarified many things you always wanted to ask. Here at pokerimestari.com, we aim to push players in the right direction, without promising impossible tactics to win big.

pokerimestari.com comprises of a team of experts led by renowned author Olle Järvi-Laturi. He’s got decades of experience on his back and knows all the ins and outs of online casinos in Finland. Our guide aims to explain how they work and to help you enjoy the best possible experience. We never lie to our readers – all the information on this page is 100% legit and will surely help you have some fun, not use gambling as a source of income.

FAQ

Are online casinos in Finland legit?

The best online casinos on our page certainly are. They have legit licenses and the top games in Finland that you can enjoy for free and real money. One such case is Guts casino where you’ll find thousands of top-rated games.

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Who controls them?

The Finnish government is in control of all gambling legal sites. Each casino operator needs to have a license in order to go legit. Gambling in Finland is regulated by the lottery act. The state monopoly runs through Veikkaus Oy, the government-owned betting agency. It was formed in 2017 and is a merger of the top 3 gambling agencies of Veikkaus, Fintoto Oy, and the Finland slot machine Association. These entities control the online casino sites and vouch for every table game you can play online.

Can I play games for free?

Yes, you can. RNG-certified slots can be played in both demo mode and as money slots. This means that you can easily try demos before you splash the cash. Other RNG games can also be played for free. Think of them as a free casino guide before you invest and play with real cash.

Can I win real money in Finnish casinos?

Yes, you can. Every real money casino in Finland will give you that opportunity. The top casino sites will have legit games checked by Casino Labs or other authorities. You will need to fund your account first before you start playing for money. Besides playing with your own money, you can also get a bonus and promotion and play for cash without breaking the bank.

What kind of games can I play?

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It depends on the casino you join. There are plenty of gaming available for players. All casinos Finland will offer a variety of slots and table games, with live dealer games in tow.