Posted on October 4, 2026 by

best european online casino: the complete guide in 2026

best european online casino offers a generous rewards intrigue and regular tournaments to keep players engaged. It’s a top pick in the european casino reviews recommendations.

See also:

• A Beginner’s Overview of top rated european casinos
• Key Facts About best online casino europe 2023
• The ultimate test for european casino reviews
• Bonus Terms You Should Know at New Casinos
• Why top rated european casinos Matters
• How Does best online casino europe 2023 Work?
• Identifying Problem Gambling Signs at Online Casinos

A Beginner’s Overview of top rated european casinos

best european online casino 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 european online casino platforms now incorporate AI-driven recommendations that suggest games based on past behavior, increasing session engagement 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 reality (VR) elements has also transformed the immersive quality of best european online casino games, allowing players to navigate 3D environments and interact with live dealers in cash 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, top rated european casinos has been particularly praised for its innovative bonuses and user-friendly interface, making it a top choice for those seeking the modish in digital entertainment. The top rated european casinos platform offers a welcome parcel that includes a 200% match bonus up to $1,000, coupled with 50 free spins on popular slots. Its loyalty program rewards consistent play with cashback on losses and exclusive log in to high-stakes tournaments. The interface is designed with intuitive navigation, featuring a dashboard that displays real-time statistics on wins, losses, and bonus progress. Mobile optimization ensures unseamed play across devices, with a dedicated app that supports fingerprint and facial recognition for secure logins. Customer aid is available 24/7 via live chat and email, with average response times under two minutes. The game library includes over 500 titles from top providers like NetEnt and Microgaming, with new releases added hebdomadal. best online casino europe 2023 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 online casino europe 2023 uses SSL encryption and undergoes monthly audits by independent firms to ensure data trade protection. The payment system supports over 20 cryptocurrencies and traditional methods, with withdrawals processed within 24 hours.

Key Facts About best online casino europe 2023

Licensing and Regulation

When evaluating latest online casinos in the UK for 2026, the foremost 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 punter trade protection, fair play, and responsible gambling. This regulatory body requires casinos to undergo rigorous checks on their developer, financial stability, and operational transparency. Without a UKGC licence, an operator cannot lawfully provide real-money games to UK residents. As a user, you should e’er 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 surround, giving you serenity of mind from the outset.

To obtain a UKGC licence, operators must submit detailed documentation, including audited financial statements, anti-money laundering policies, and product 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. What is more, 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 present robust difference of opinion resolution mechanisms, including access to the Gambling Commission’s mediation services. Additionally, these casinos must contribute to GambleAware and other responsible gambling initiatives, funding search and intervention for problem gambling. When assessing a new casino, check for seals of approval from the UKGC and independent auditors, as these indicate a trustworthy operator. Finally, remember that the UKGC maintains a public join of all licensed operators, allowing you to cross-reference any casino’s claims before depositing funds.

Players looking for best european online casino should verify the casino’s license first.

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Licensing and Regulation

When evaluating new online casinos for UK players in 2026, the first and most vital factor out is licensing and regulation. Every reputable casino must hold a valid licence from the UK Gambling Commission (UKGC), which ensures strict adherence to standards of fairness, player protection, and responsible gambling. The UKGC mandates that operators undergo tight background checks, maintain segregated gambler funds, and submit to regular audits by independent testing agencies such as eCOGRA or iTech Labs. This means that any fresh casino appearing on the UK market without a UKGC licence should be avoided, as it likely operates in a grey or unregulated place. Beyond the licence itself, players should looking at for elucidate 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 market of 2026, where latest brands launch frequently, the presence of a UKGC licence is non-negotiable for a safe and fair gaming experience.

Licensing is not simply a formality; it is the bedrock of gambler confidence. The UKGC requires all licensees to implement advanced age verification systems, preventing underage gambling and ensuring that only if de jure 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 example, a casino must clearly commonwealth wagering requirements, maximum bet limits when using bonuses, and any product restrictions that apply. In 2026, the UKGC has further tightened rules around VIP schemes, banning incentives that encourage high-risk behaviour. Players should verify that a new casino’s terms explicitly prohibit blow withdrawals or arbitrary confiscation of winnings. The licence also obligates casinos to participate in GamStop, the national self-exclusion scheme, 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 flags. Furthermore, the UKGC conducts mystery shopping and unpredicted inspections to secure compliance; any breach can result in fines or licence revocation. For instance, in 2025, several operators were penalised for failing to prevent money laundering through anonymous cryptocurrency deposits. Thus, checking the UKGC’s public register for any sanctions or warnings against a brand-new casino is a prudent stair before depositing. Ultimately, a valid UKGC licence is the strongest indicator that a casino operates with integrity, but players must also scrutinise the finer details of its regulatory compliance to ensure a secure and enjoyable gaming environment.

Bonus Terms You Should Know at New Casinos

• no-deposit £200
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• 88% up to £1500
• 25x wagering at slots
• 30x turnover
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Why top rated european casinos Matters

Licensing and Regulation

When evaluating recent online casinos in the UK for 2026, the first and most vital factor is licensing. Every reputable platform must hold a valid licence from the UK Gambling Commission (UKGC), which enforces strict standards for punter protection, fair play, and responsible gambling. This regulatory organic structure requires casinos to undergo tight checks on their software, financial stability, and operating transparency. Without a UKGC licence, an operator cannot legally offer real-money games to UK residents. As a player, you should always verify the licence figure 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 mind from the outset.

To obtain a UKGC licence, operators must submit elaborate 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 utilize 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 approval from the UKGC and independent auditors, as these show a trustworthy operator. Finally, remember that the UKGC maintains a public register of all licensed operators, allowing you to cross-reference any casino’s claims before depositing funds.

When it comes to best european online casino, mobile compatibility is essential.

How Does best online casino europe 2023 Work?

Identifying Problem Gambling Signs at Online Casinos

Gambling is strictly for adults aged 18 and over. All UK-based casinos featured are licensed and regulated by the Gambling Commission (UKGC). If you feel the need to read a break, you can self-exclude via GAMSTOP, the national online self-exclusion strategy. For support, contact GamCare or BeGambleAware via the National Gambling Helpline on 0808 8020 133. Always set deposit and time limits before playing, and treat gambling as entertainment, not a way to make money. Never chase losses.

Posted on October 4, 2026 by

best european online casino: everything that matters in 2026

best european online casino arrives with a promise of seamless gameplay and thrilling promotions. This addition to the european casino tournaments list is worth exploring for its innovative features.

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See also:

• How to Start with european casino no deposit bonus: A Guide
• Exploring the Basics of european casino no deposit bonus
• How to evaluate european casino tournaments effectively
• Bonus Terms You Should Know at New Casinos
• An Introduction to european casino no deposit bonus
• Where to Find european casino no deposit bonus
• Understanding Safer Gambling Tools at New Casinos

How to Start with european casino no deposit bonus: A Guide

best european online casino 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 european online casino platforms now incorporate AI-driven recommendations that suggest games based on past behavior, increasing session engagement by up to 30%. Additionally, these platforms utilize blockchain technology for transparent transactions, ensuring provably fair outcomes that build trust among users. The desegregation of virtual reality (VR) elements has also transformed the immersive quality of best european online casino 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 fresh sign-ups in 2026 falling between the ages of 21 and 35. Among these, european casino no deposit bonus has been particularly praised for its innovational bonuses and user-friendly interface, making it a top choice for those seeking the latest in digital entertainment. The top european casinos online platform offers a welcome package that includes a 200% match bonus up to $1,000, joined with 50 free spins on popular slots. Its loyalty 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 advancement. Mobile optimization ensures unlined play across devices, with a dedicated app that supports fingerprint and facial recognition for secure logins. Customer assist is available 24/7 via live chat and email, with average out response times under two minutes. The title library includes over 500 titles from top providers like NetEnt and Microgaming, with new releases added hebdomadal. european casino tournaments also hosts regular leaderboard competitions where players can win sumptuousness prizes such as vacations and electronics. The platform’s allegiance to responsible gaming is evident through tools like deposit limits and self-exclusion options, which are easily accessible from the main carte du jour. In terms of certificate, top european casinos online uses SSL encryption and undergoes monthly audits by independent firms to ensure data protection. The payment system supports over 20 cryptocurrencies and traditional methods, with withdrawals processed within 24 hours. Overall, best european online casino and european casino tournaments interpret 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 european casino no deposit bonus

How New Online Casinos Are Evaluated for NZ Players

New online casinos entering the New Zealand market in 2026 are assessed through a tight, multi-layered process designed to separate genuine quality from gaudy but holler 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 keep down, 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 collective bodily structure, favouring publicly traded companies or well-established groups with a verifiable track record. Financial stability is another pillar—we look for evidence of segregated player funds, regular third-party audits of payout percentages, and transparent terms regarding withdrawals and maximum payouts. Our technical team also tests the platform’s random figure author (RNG) certification from independent labs like 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 ask for 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 back services—because a trustworthy casino actively protects its players. Only if 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 way players rely on licences from established jurisdictions that enforce player trade 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 solving 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 stream enforcement stance. We do not automatically reject casinos licensed in Curacao, as many reputable operators utilize that licence as a secondary one, but we apply extra scrutiny because the regulatory lapse is lighter. For our 2026 guide, we prioritise casinos that hold at the least one top-tier licence and are transparent nearly it. We also confirm whether the casino displays its licence figure and regulator details in the footer of its website, and whether that information matches the functionary registry. Another key factor is whether the casino uses a recognised dispute resolving religious service (the likes of IBAS) and whether it adheres to the licensing jurisdiction’s guidelines on data tribute (GDPR for European licences). A casino that cannot clearly explain its licensing status is an immediate red 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 new players, but in 2026, the smart player looks beyond the headline figure. Our analysis focuses on the real-money 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 collapse the mulct print: is the wagering requirement 30x the bonus only when, or does it include the deposit? Are there restrictions on which games count toward the playthrough? For example, slots often chip in 100%, but felt games may contribute only 10% or still nothing. We also check the time window—some bonuses expire after 7 days, which is unrealistic for group meeting a high 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. For no-deposit bonuses or free spins, we authenticate the validity period and any cap on winnings. We also look at the availability of ongoing promotions: reload bonuses, cashback offers, and loyalty programs that reward regular play. Crucially, we consider the terms regarding NZ players specifically—some casinos exclude certain countries from bonus eligibility, even if they accept real-money play. Our recommendations highlight casinos that give transparent, fair terms, with wagering requirements at or below 35x, and that clearly state the donation percentages and any restrictions.

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Licensing and Regulatory Compliance for Canadian Players

When evaluating new online casinos, the very first-class honours degree factor to consider is the licensing and regulatory framework that governs the platform. For Canadian players, the landscape is unique because there is no federal gambling authority; instead, provinces regulate gambling activities. However, most reputable online casinos serving Canada carry 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 particularly 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 new casinos may hold licenses from the Isle of Man or Gibraltar, both of which also apply strict gambler protection rules. When assessing a new casino, players should authenticate the license number and check the regulator’s website to guarantee the license is valid and not suspended. Licensed casinos are required to use certified random keep down generators, undergo regular audits by third-party testing agencies such as eCOGRA or iTech Labs, and segregate player funds from in operation accounts. This ensures that profits are paid out quick and that the games are truly random. Moreover, Canadian players benefit from the fact that licensed casinos must adhere to anti-money laundering protocols and data protection laws, which safeguard personal and financial information. It is also important to note that while Curacao licenses are vernacular among newer casinos, they are considered less stringent. Consequently, for Canadian players, priority should be precondition 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 germinate, with more provinces like Ontario implementing their possess iGaming market place, requiring operators to register with the Alcohol and Gaming Commission of Ontario. This move towards provincial regulation adds another layer of protection for Canadian players. Consequently, when evaluating new casinos, one should looking 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 dot for any casino recommendation, as it directly impacts the safety and reliability of the gaming experience.

Welcome Bonuses and Promotional Offers

Latest online casinos often appeal players with enticing welcome bonuses, but a thorough evaluation requires looking for beyond the headline offer. 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 generally considered high and less player-friendly. Additionally, the game contribution percentages matter: slots usually count 100%, while table games similar blackjack or roulette may reckoning 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 withdraw from bonus winnings. A small cap, such as $100, can severely limit your potency gains. Moreover, 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 check if the bonus is available for sought-after payment methods like Interac e-Transfer, as some bonuses shut certain deposit methods. Free spins offers are common, but they often come in with their have restrictions, such as a limited list of games where the spins can be used and a maximum win confine to. Some new 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 have real high wagering requirements and minimal maximum cashouts. When evaluating welcome packages, consider the generally fairness: a reasonable wagering requirement (30x or lower), a long expiration period (30+ days), and a superior maximum cashout are signs of a generous offer. Also, look for ongoing promotions like reload bonuses, cashback offers, and loyalty programs, as these indicate that the casino values long-term players.

Bonus Terms You Should Know at New Casinos

• 110% first of all deposit bonus
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• 25 free spins for new players
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How New Online Casinos Are Evaluated for NZ Players

New online casinos entering the New Zealand securities industry in 2026 are assessed through a rigorous, multi-layered outgrowth designed to separate genuine 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 domesticated 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 let NZ customers. We scrutinise the licence number, 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 collective body structure, favouring publicly traded companies or well-established groups with a verifiable track record. Financial stability is another pillar—we look for evidence of segregated player funds, regular third-party audits of payout percentages, and transparent terms regarding withdrawals and maximum payouts. Our technical team also tests the platform’s random number generator (RNG) certification from independent labs same eCOGRA or iTech Labs, ensuring games are fair and outcomes unpredictable. The evaluation extends to the user journey: we create real accounts, deposit small sums, play a variety of games, and ask for withdrawals to step response times and any hidden friction. We also assess the availability and calibre of customer support, testing confab, email, and phone channels at different hours. Finally, we evaluate 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 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 rural area does not issue its own online casino licences, but it permits offshore operators to accept NZ customers as long as they abide by with the Gambling Act 2003. In practice, this means players rely on licences from established jurisdictions that enforce player tribute and fair play. The most respected licences we count are from the UK Gambling Commission (UKGC), which imposes strict anti-money laundering (AML) procedures, affordability checks, and a mandatory encrypt of conduct for socially responsible gambling. The Malta Gaming Authority (MGA) is another strong alternative, known for its robust dispute resolution process and regular audits. Some newer casinos bear 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 one, but we apply extra scrutiny because the regulatory oversight is lighter. For our 2026 guide, we prioritise casinos that hold at least one top-tier licence and are transparent about it. We also check whether the casino displays its licence list and regulator details in the footer of its website, and whether that information matches the official registry. Another key factor is whether the casino uses a recognised conflict resolution service (same 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 red flag. In the end, we favour operators that go beyond minimum requirements, such as voluntarily submitting to outside responsible gambling certification or publishing their payout audits—these actions signaling a echt 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 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, offering contributions, and maximum bet limits. A typical present might be a 100% match up to $500, but we break downward the fine print: is the wagering requirement 30x the bonus only when, or does it include the deposit? Are there restrictions on which games count toward the playthrough? For instance, slots often contribute 100%, but table offering games may contribute only 10% or yet zilch. We also check the time window—some bonuses expire after 7 days, which is unrealistic for congress a high 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. For no-deposit bonuses or free spins, we verify the validity period and any cap on winnings. We also look at the availability of ongoing promotions: reload bonuses, cashback offers, and loyalty programs that reward regular play. Crucially, we consider the terms regarding NZ players specifically—some casinos exclude certain countries from bonus eligibility, even out if they accept real-money play. Our recommendations highlight casinos that offer transparent, fair terms, with wagering requirements at or below 35x, and that clearly state the contribution percentages and any restrictions. We also value flexibility, such as the choice to claim a bonus without a promo code, or a option between free spins and bonus johnny cash. In 2026, we are seeing a trend toward lower wagering requirements (25x–30x) as rivalry intensifies, and we reward operators that present genuine value rather than inflated numbers intentional to trap players. Think, a bonus is only worthwhile if you can realistically convert it into withdrawable winnings, and our evaluations always put the player’s bottom line first.

Software Providers and Payment Options for Kiwis

The quality of a new online casino is heavily influenced by its software providers and the payment methods it supports. In 2026, the top-tier providers—NetEnt, Microgaming, Play’n GO, Pragmatic Play, and Evolution Gaming—remain benchmarks for game fairness and innovation.

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Understanding Safer Gambling Tools at New Casinos

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