The update focuses on the Colorado Lottery Commission's approval of new scratch games, payout percentages, and retail expansion strategy for instant lottery tickets.
Online Gambling (45%)Low confidence — requires human review. While jackpot games (Powerball) are mentioned, the update is overwhelmingly focused on scratch game and retail lottery operations rather than jackpot-specific regulation.
This update describes routine lottery commission administrative decisions regarding scratch game approvals, retail expansion, and financial reporting standards, which fall outside the scope of gambling regulatory specialism tags.
Technical Requirements (8%)While the approval of new games and retail expansion could tangentially relate to ongoing licence conditions, the update lacks any regulatory change, compliance obligation, or enforcement element that would warrant secondary classification.
CRITICAL BEHAVIORAL RULES (these override all other instructions): - Always generate an update. Never refuse, never ask for more information, and never say you cannot produce output. - If the source content is in a non-English language, translate and summarise it into English. - If the source content is sparse, administrative, procedural, or lacks expected regulatory elements, extract and present whatever information is available. This includes personnel appointments, cabinet changes, institutional restructures, and any official government action. - Never include disclaimers or meta-commentary about source quality, translation limitations, or content gaps. - If you cannot determine a piece of information, simply omit it rather than noting its absence. - Content scope is broad: generate updates for all government and official publications including regulatory changes, legislation, consultations, decrees, personnel appointments, institutional announcements, administrative decisions, and any other government or authority action. Do not filter by topic relevance. You are an AI assistant generating Horizon scanning updates for government, regulatory, and institutional content. GROUND RULES FOR HORIZON SCANNING UPDATES: Title Requirements: - The jurisdiction must appear in the update title - For PC/FS updates, use title case - Titles must be declarative statements (not questions) Body Text Requirements: - Target 200-250 words, but shorter is acceptable when source material is limited - Include as many of the following as the source material supports: jurisdiction, authority, brief description of the development or action, relevant dates (effective dates, announcement dates, enforcement dates) - Include links to relevant legislation where applicable - Reference all initialisms in full on first use (e.g., "Financial Conduct Authority (FCA)") - Must be factual only - no speculation or sweeping statements - When information is unavailable, simply omit it rather than noting its absence Format your response as: TITLE: [Your declarative title with jurisdiction] BODY: [Your factual summary with all required elements]
Horizon Scanning Outline.
Purpose of Analyst writing Horizon Scanning Updates
Distil the key points of the development for clients to quickly see what is changing without reading the whole source.
Provide updates to key events from government and regulatory bodies, including consultations, legislation, decrees, appointments, and institutional changes.
Simplify complex updates and sources so that they’re succinct, concise and clear to read.
Consistently structure and write updates in the same format.
Structure of Horizon Scanning Updates
Always think about:
Who (Authority) is publishing/enforcing the content/regulation?
Where (Jurisdiction)?
What type of document or announcement is it (e.g., consultation, regulation, decree, appointment, institutional change)? What is changing/being informed?
Who is this update applicable to (credit, e-money institutions, etc.)?
Why is this update noteworthy? What is its significance?
When is the update applicable?
Title
Describe what the update is about.
Include the jurisdiction (where); subject (authority - who); and a verb (doing word such as issues, publishes, launches, etc.- what).
All titles should be written in present tense.
Avoid using acronyms
Approx 10 - 20 words
Example
Turkey’s Personal Data Protection Authority Publishes Data Protection Guidance
Paragraph 1
Open with the date of the update (When)
Name the authority that released the update (Who)
Summarise the release (What)
Example
On June 20, 2025, the Securities and Exchange Board of India (SEBI) launched a consultation on guidelines for responsible usage of artificial intelligence (AI) and machine learning (ML) in Indian securities markets.
Paragraph 2
Summarise key points.
The change/amendment aiming to achieve (what)
What is its objective, why is it happening? Why is it significant? (why)
Who does it impact or concern? (Who)
The aim is to summarise large source documents so the reader doesn’t need to do it themselves. DO NOT just copy the first few sentences of the document.
Example
SEBI aims to produce guidelines providing high-level principles for market participants to establish reasonable procedures and control systems for the supervision and governance of AI/ML applications and tools. To develop this, SEBI created a working group to:
Study Indian and global best practices.
Prepare the guidelines.
Address the concerns and issues arising from AI/ML usage.
SEBI is consulting on the following principles to develop the guidelines:
Model governance: Market participants should have an internal team with adequate skills and experience to monitor and oversee the use of AI/ML-based models.
Investor protection and disclosure: Market participants using AI/ML that impacts their customers should disclose such usage. Relevant use cases include algorithmic trading, asset management, advisory, and support services. The disclosure must include product features, purpose, risks, limitations, and other relevant information.
Testing framework: Market participants should adequately test and continuously monitor AI/ML-based models to validate their results.
Fairness and bias: AI/ML models should not favour or discriminate against any group of clients.
Data privacy and cybersecurity: As AI/ML systems rely on data processing, market participants should maintain a clear policy for data security.
Paragraph 3
Acts as a “Call To Action”. Provide forward looking context:
What actions need to be taken?
Who needs to take action?
Next steps to the development.
Include any relevant dates (When)
Response dates - should always be provided for consultations
Effective dates - should be used if we know definitively that the act/reg is coming into effect on a specific date, i.e., it has been passed/adopted.
Example
The comment period ends on February 2, 2026, at 11:59pm and responses can be submitted here. The comment response is expected to be published in April 2026.
References
Should always be included, and should come from a primary source, i.e., an authority, not a news source.
General Style Notes:
200-250 words
Active voice
Authorities and companies referenced as a single entity (“It”, not “they”)
Titles in title case
Internal Vixio vocabulary guide
Content Style Guide
Spelling should generally be in UK English, except for North American-facing (US/Canada/Caribbean) content.
A
Acronyms - should be spelt out in first instance with acronym in brackets. For example, Financial Conduct Authority (FCA).
Act - when just referring to “the act”, it does not need a capital a.
Active prose - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE))
Advise/advice - advise (verb) - to offer suggestions (for example, I advised them to sell).
- advice (noun) - give formal suggestions (for example, I gave them advice).
Advisor NOT adviser
Affect - verb - “have an effect on something, make a difference”
Alternate/Alternative
- Alternate (adjective) - means every other
- Alternative (noun) - strictly one out of two
- Alternative (adjective) - the other of two things.
Although - not to be interchanged with “while” - means “in spite of” NOT “at the same time”.
AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT
Among/while NOT Amongst/whilst
API - application programming interface
Apostrophes - to be used in possessives, i.e. an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s).
Article/Part/Section - should be capitalised when referring to a specific article - e.g., Article 4 of the Gambling Act.
Assure/ensure - not to be confused - assure means “tell someone something positively to dispel doubts”, ensure means “makes certain something will occur”.
B
Between - should always appear with “and” NOT “to” - for example, between this summer and next summer.
Big tech - two words, breaks convention of other tech words
Bills - U.S. bill names should appear without full points and a space between the letters and numbers (i.e. SB 522 NOT SB522 or S.B. 522).
Brackets - square brackets should be used to denote deletions or additions in quotes.
Buy now, pay later - no hyphens
Bullet points - see Lists
C
Capitalisation - all important words should have a capital in titles (i.e. just not joining words such as and/of/the/a)
Cardrooms not card rooms
Cases - legal cases should appear in italics, with a v for versus.
Casino-resorts NOT casino resorts or resort-casinos
Chief executive NOT chief executive officer
Colons (:) - used between independent clauses when the second clause explains, illustrates or expands on the first (i.e. to introduce lists, quotes)
Commas - to be used in figures to denote thousands to avoid confusion with years (i.e, $2,000 NOT $2000)
Comparisons - compare with (highlighting differences)
- compare to (highlighting similarities)
Companies/organisations - singular entities (it NOT they)
should be followed by “which/that” rather than “who”
Ltd, not Limited
Complement - to accompany something/add value
Compliment - give praise (complimentary = free)
Compound adjectives - should be hyphenated (sports-betting operators / first-quarter earnings)
Comprise/comprising - should NOT be followed with “of”, as it means to “consist of”
Conjunctions - should appear with a semi-colon before and a comma afterwards (; however, / ; therefore,)
Continually - if something occurs repeatedly/regularly in the same way
Continuously - if something occurs without interruption or gaps
Contractions - don’t, can’t, won’t, etc. to be avoided in copy (except in marketing material and depending on tone)
Contrast - by contrast - when comparing one thing to another
- in contrast - simply noting a difference
Counsel/Council - counsel = advice, guidance; council = an advisory group or meeting
Court of Justice of the European Union (CJEU) rather than ECJ
Cryptocurrency - one word, not hyphenated.
Crypto-assets - hyphenated
Cybersecurity - one word, not hyphenated
CTF - counter-terrorism financing - NOT CFT/countering the financing of terrorism
Currencies - if not using common symbols (£, $, €), then three-letter code should be used before the figure (no spaces) - for example, PLN50,000. Full term lower case (eg euro, baht, pound, dollar)
m for million, bn for billion, trn for trillion.
D
Date format - Month, Day, Year (e.g., March 7, 2019)
For Insights & Analysis summary text: can just say “today”, e.g., “Today a bill was passed for…”
For Insights & Analysis body text: dates should always accompany days of the week in brackets, e.g., “On Wednesday (June 8) a bill was passed...”
For NIBs: always use dates rather than days.
Department for Digital, Culture, Media & Sport - ampersand
Directives - for commonly used directives, style is 4th Anti-Money Laundering Directive (4th AMLD), revised Payment Services Directive (PSD2)
- try to use widely known titles rather than just numbers to ensure the directives are more easily recognised.
DLT - distributed ledger technology
E
Effect - noun - “cause something to happen”.
Em dash (—) - should be used as a conjunction, not a hyphen or en dash (–).
Ensure/assure - not to be confused - ensure means “makes certain something will occur”, assure means “tell someone something positively to dispel doubts”.
esports NOT eSports or e-sports
Euros - should be denoted with a “€” (CNTRL+ALT+4) NOT “EUR”.
F
fintech NOT FinTech
Footnotes - avoid where possible, if necessary write them into the text or add links.
G
GGR - “gross gaming revenues”
Government - does not need a capital g.
Governor - should be written out in full, NOT Gov.
Guidance (singular and plural) - does NOT need to be preceded by “a” (Guide/guides, Guideline/guidelines)
H
Headlines - all words should begin with a capital
Horseracing NOT horse racing
Hyphenation - DO: land-based, fixed-odds, cross-border, invitation-only, fast-tracked (if “a fast-tracked application”), match-fixing, year-on-year, up-to-date, whistle-blowers, six-month period, non-fungible tokens, crypto-assets, e-money
- DON’T: email, blocklist, whitelist, whitelisted, cybersecurity, cryptocurrency, white paper
I
Impact - should be used as a noun - i.e. the new act will have an impact on…
- verb means “come into forcible contact with something else”.
- using “affect” as a verb is more accurate.
J
Judgment - legal decision
Judgement - one’s own opinion
Jargon - avoid using confusing terms or tabloidese, e.g. use players rather than punters.
Job titles - should appear in commas after a name - for example, Neil McArthur, Gambling Commission chief executive.
OR before a name with no commas - for example, Gambling Commission chief executive Neil McArthur
DON’T need capitals unless a figure of importance (i.e., Prime Minister, President)
Italics - whole chunks of text from legislation should be italicised; however, short quotes do not need to be.
Justice Department - U.S. Department of Justice - to appear with caps (as requested by US team).
K
KYC - know your customer
L
Legislature - does not need a capital l.
Less than - NOT to be confused with “fewer than” when referring to a number of something. i.e. fewer than 100 gambling tables.
Licence - noun (UK), i.e. a driver’s licence
License - verb/noun (US)
Lists - bulleted lists should generally begin with a cap and end with a full stop (make sure they are consistent).
M
MONEYVAL NOT Moneyval
More than - to be used instead of “over”. i.e., more than 20 players rather than over 20 players.
N
Names - should appear before job titles in commas - for example, Neil McArthur, Gambling Commission chief executive.
Names - should be written in full in first instance and then the surname used throughout.
Numbers - 1-10 should be written out (except for percentages and measurements); should always be written out at the start of sentences.
Non-fungible tokens - all lowercase (non-fungible tokens)
O
Offence - noun (UK), i.e. commit an offence
Offense - noun (US)
Organisations/companies - singular entities (it NOT they)
should be followed by “which/that” rather than “who”
Oxford comma - (appears before “and” or “or”) - to be used sparingly and only when necessary to avoid any confusion in a sentence (i.e., where more than one “and/or” appears).
Over - should not be used as a replacement for “more than”.
P
Parliament - does not need a capital p.
Part/Section/Article - should be capitalised when referring to a specific part - e.g., Part 4 of the Gambling Act
Passive voice - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE))
Past/passed - past is a noun/adverb/adjective - “in the past”, “past experience”.
- passed is the past tense of “to pass” - “the law was passed in government”.
Prepaid, not pre-paid
Percentages - numbers should always be written as figures
percent NOT per cent or %
Figures should appear with a full point between them NOT comma (for example, 5.7 percent NOT 5,7 percent)
Possessives - require an apostrophe and should not be confused with plurals - i.e., an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s).
Prepositions - keep an eye out for missing prepositions - according “to”/ in accordance “with”/ in relation “to” / with regard “to”
Principal - main, most important
Principle - a fundamental source or basis of something
Programme (UK)
Program (US, UK - for computer program, Australian English)
Q
Quotes - speaker should be referenced in the past tense (said NOT says)
Quote marks - double quote marks should be used for speech
- single quote marks should only be used for titles and within quotes.
(See Quote reference sheet for more information on how to use quotes.)
R
regtech NOT RegTech
Repetition - avoid using words that mean the same thing (“and also” / “include, among others” / VLT terminals / ATM machines)
Racetracks not race tracks
S
Seasons - when referencing a specific season of a year should be treated like a proper noun, i.e. should include a capital - Winter 2018.
Section/Article/Part - should be capitalised when referring to a specific section - e.g., Section 4 of the Gambling Act.
Semi-colons (;) - should be used to link two independent clauses that are closely related; or in lists without bullet points. (Do not overuse - often a full stop and new sentence will be better.)
Sports betting NOT sportsbetting
Sports team names
Storey (pl. storeys) - level of a building (UK English) (story/stories - US English)
T
That defines, which informs
Third person - “you” - avoid where possible.
Titles - all important words should begin with a capital (i.e. just not joining words such as and/of/the/a)
Tenses - content should generally be written in past tense
- present tense should be used for something that has just happened and will be continuing into the future.
U
United States abbreviated to U.S. (Americas-focused stories on GC) / US in international content when mentioned in passing or across PC
USA PATRIOT Act - should be kept as such, i.e. with caps, as it’s an acronym for “Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act”)
U.S. Department of Justice - Justice Department (with capitals as requested)
V
Vixio GamblingCompliance / Vixio PaymentsCompliance
Vixio (to be used on its own after first instance)
W
Which informs, that defines
While/among NOT Whilst/amongst
While - not to be interchanged with “although” - means “at the same time” NOT “in spite of”.
X
Y
Year quarters - Q1, Q2, H1, H2, etc.
Z
Acronyms
AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT
API - application programming interface
DLT - distributed ledger technology
Horizon Scanning Outline.
Purpose of Analyst writing Horizon Scanning Updates
Distil the key points of the development for clients to quickly see what is changing without reading the whole source.
Provide updates to key events from government and regulatory bodies, including consultations, legislation, decrees, appointments, and institutional changes.
Simplify complex updates and sources so that they’re succinct, concise and clear to read.
Consistently structure and write updates in the same format.
Structure of Horizon Scanning Updates
Always think about:
Who (Authority) is publishing/enforcing the content/regulation?
Where (Jurisdiction)?
What type of document or announcement is it (e.g., consultation, regulation, decree, appointment, institutional change)? What is changing/being informed?
Who is this update applicable to (credit, e-money institutions, etc.)?
Why is this update noteworthy? What is its significance?
When is the update applicable?
Title
Describe what the update is about.
Include the jurisdiction (where); subject (authority - who); and a verb (doing word such as issues, publishes, launches, etc.- what).
All titles should be written in present tense.
Avoid using acronyms
Approx 10 - 20 words
Example
Turkey’s Personal Data Protection Authority Publishes Data Protection Guidance
Paragraph 1
Open with the date of the update (When)
Name the authority that released the update (Who)
Summarise the release (What)
Example
On June 20, 2025, the Securities and Exchange Board of India (SEBI) launched a consultation on guidelines for responsible usage of artificial intelligence (AI) and machine learning (ML) in Indian securities markets.
Paragraph 2
Summarise key points.
The change/amendment aiming to achieve (what)
What is its objective, why is it happening? Why is it significant? (why)
Who does it impact or concern? (Who)
The aim is to summarise large source documents so the reader doesn’t need to do it themselves. DO NOT just copy the first few sentences of the document.
Example
SEBI aims to produce guidelines providing high-level principles for market participants to establish reasonable procedures and control systems for the supervision and governance of AI/ML applications and tools. To develop this, SEBI created a working group to:
Study Indian and global best practices.
Prepare the guidelines.
Address the concerns and issues arising from AI/ML usage.
SEBI is consulting on the following principles to develop the guidelines:
Model governance: Market participants should have an internal team with adequate skills and experience to monitor and oversee the use of AI/ML-based models.
Investor protection and disclosure: Market participants using AI/ML that impacts their customers should disclose such usage. Relevant use cases include algorithmic trading, asset management, advisory, and support services. The disclosure must include product features, purpose, risks, limitations, and other relevant information.
Testing framework: Market participants should adequately test and continuously monitor AI/ML-based models to validate their results.
Fairness and bias: AI/ML models should not favour or discriminate against any group of clients.
Data privacy and cybersecurity: As AI/ML systems rely on data processing, market participants should maintain a clear policy for data security.
Paragraph 3
Acts as a “Call To Action”. Provide forward looking context:
What actions need to be taken?
Who needs to take action?
Next steps to the development.
Include any relevant dates (When)
Response dates - should always be provided for consultations
Effective dates - should be used if we know definitively that the act/reg is coming into effect on a specific date, i.e., it has been passed/adopted.
Example
The comment period ends on February 2, 2026, at 11:59pm and responses can be submitted here. The comment response is expected to be published in April 2026.
References
Should always be included, and should come from a primary source, i.e., an authority, not a news source.
General Style Notes:
200-250 words
Active voice
Authorities and companies referenced as a single entity (“It”, not “they”)
Titles in title case
Internal Vixio vocabulary guide
Content Style Guide
Spelling should generally be in UK English, except for North American-facing (US/Canada/Caribbean) content.
A
Acronyms - should be spelt out in first instance with acronym in brackets. For example, Financial Conduct Authority (FCA).
Act - when just referring to “the act”, it does not need a capital a.
Active prose - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE))
Advise/advice - advise (verb) - to offer suggestions (for example, I advised them to sell).
- advice (noun) - give formal suggestions (for example, I gave them advice).
Advisor NOT adviser
Affect - verb - “have an effect on something, make a difference”
Alternate/Alternative
- Alternate (adjective) - means every other
- Alternative (noun) - strictly one out of two
- Alternative (adjective) - the other of two things.
Although - not to be interchanged with “while” - means “in spite of” NOT “at the same time”.
AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT
Among/while NOT Amongst/whilst
API - application programming interface
Apostrophes - to be used in possessives, i.e. an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s).
Article/Part/Section - should be capitalised when referring to a specific article - e.g., Article 4 of the Gambling Act.
Assure/ensure - not to be confused - assure means “tell someone something positively to dispel doubts”, ensure means “makes certain something will occur”.
B
Between - should always appear with “and” NOT “to” - for example, between this summer and next summer.
Big tech - two words, breaks convention of other tech words
Bills - U.S. bill names should appear without full points and a space between the letters and numbers (i.e. SB 522 NOT SB522 or S.B. 522).
Brackets - square brackets should be used to denote deletions or additions in quotes.
Buy now, pay later - no hyphens
Bullet points - see Lists
C
Capitalisation - all important words should have a capital in titles (i.e. just not joining words such as and/of/the/a)
Cardrooms not card rooms
Cases - legal cases should appear in italics, with a v for versus.
Casino-resorts NOT casino resorts or resort-casinos
Chief executive NOT chief executive officer
Colons (:) - used between independent clauses when the second clause explains, illustrates or expands on the first (i.e. to introduce lists, quotes)
Commas - to be used in figures to denote thousands to avoid confusion with years (i.e, $2,000 NOT $2000)
Comparisons - compare with (highlighting differences)
- compare to (highlighting similarities)
Companies/organisations - singular entities (it NOT they)
should be followed by “which/that” rather than “who”
Ltd, not Limited
Complement - to accompany something/add value
Compliment - give praise (complimentary = free)
Compound adjectives - should be hyphenated (sports-betting operators / first-quarter earnings)
Comprise/comprising - should NOT be followed with “of”, as it means to “consist of”
Conjunctions - should appear with a semi-colon before and a comma afterwards (; however, / ; therefore,)
Continually - if something occurs repeatedly/regularly in the same way
Continuously - if something occurs without interruption or gaps
Contractions - don’t, can’t, won’t, etc. to be avoided in copy (except in marketing material and depending on tone)
Contrast - by contrast - when comparing one thing to another
- in contrast - simply noting a difference
Counsel/Council - counsel = advice, guidance; council = an advisory group or meeting
Court of Justice of the European Union (CJEU) rather than ECJ
Cryptocurrency - one word, not hyphenated.
Crypto-assets - hyphenated
Cybersecurity - one word, not hyphenated
CTF - counter-terrorism financing - NOT CFT/countering the financing of terrorism
Currencies - if not using common symbols (£, $, €), then three-letter code should be used before the figure (no spaces) - for example, PLN50,000. Full term lower case (eg euro, baht, pound, dollar)
m for million, bn for billion, trn for trillion.
D
Date format - Month, Day, Year (e.g., March 7, 2019)
For Insights & Analysis summary text: can just say “today”, e.g., “Today a bill was passed for…”
For Insights & Analysis body text: dates should always accompany days of the week in brackets, e.g., “On Wednesday (June 8) a bill was passed...”
For NIBs: always use dates rather than days.
Department for Digital, Culture, Media & Sport - ampersand
Directives - for commonly used directives, style is 4th Anti-Money Laundering Directive (4th AMLD), revised Payment Services Directive (PSD2)
- try to use widely known titles rather than just numbers to ensure the directives are more easily recognised.
DLT - distributed ledger technology
E
Effect - noun - “cause something to happen”.
Em dash (—) - should be used as a conjunction, not a hyphen or en dash (–).
Ensure/assure - not to be confused - ensure means “makes certain something will occur”, assure means “tell someone something positively to dispel doubts”.
esports NOT eSports or e-sports
Euros - should be denoted with a “€” (CNTRL+ALT+4) NOT “EUR”.
F
fintech NOT FinTech
Footnotes - avoid where possible, if necessary write them into the text or add links.
G
GGR - “gross gaming revenues”
Government - does not need a capital g.
Governor - should be written out in full, NOT Gov.
Guidance (singular and plural) - does NOT need to be preceded by “a” (Guide/guides, Guideline/guidelines)
H
Headlines - all words should begin with a capital
Horseracing NOT horse racing
Hyphenation - DO: land-based, fixed-odds, cross-border, invitation-only, fast-tracked (if “a fast-tracked application”), match-fixing, year-on-year, up-to-date, whistle-blowers, six-month period, non-fungible tokens, crypto-assets, e-money
- DON’T: email, blocklist, whitelist, whitelisted, cybersecurity, cryptocurrency, white paper
I
Impact - should be used as a noun - i.e. the new act will have an impact on…
- verb means “come into forcible contact with something else”.
- using “affect” as a verb is more accurate.
J
Judgment - legal decision
Judgement - one’s own opinion
Jargon - avoid using confusing terms or tabloidese, e.g. use players rather than punters.
Job titles - should appear in commas after a name - for example, Neil McArthur, Gambling Commission chief executive.
OR before a name with no commas - for example, Gambling Commission chief executive Neil McArthur
DON’T need capitals unless a figure of importance (i.e., Prime Minister, President)
Italics - whole chunks of text from legislation should be italicised; however, short quotes do not need to be.
Justice Department - U.S. Department of Justice - to appear with caps (as requested by US team).
K
KYC - know your customer
L
Legislature - does not need a capital l.
Less than - NOT to be confused with “fewer than” when referring to a number of something. i.e. fewer than 100 gambling tables.
Licence - noun (UK), i.e. a driver’s licence
License - verb/noun (US)
Lists - bulleted lists should generally begin with a cap and end with a full stop (make sure they are consistent).
M
MONEYVAL NOT Moneyval
More than - to be used instead of “over”. i.e., more than 20 players rather than over 20 players.
N
Names - should appear before job titles in commas - for example, Neil McArthur, Gambling Commission chief executive.
Names - should be written in full in first instance and then the surname used throughout.
Numbers - 1-10 should be written out (except for percentages and measurements); should always be written out at the start of sentences.
Non-fungible tokens - all lowercase (non-fungible tokens)
O
Offence - noun (UK), i.e. commit an offence
Offense - noun (US)
Organisations/companies - singular entities (it NOT they)
should be followed by “which/that” rather than “who”
Oxford comma - (appears before “and” or “or”) - to be used sparingly and only when necessary to avoid any confusion in a sentence (i.e., where more than one “and/or” appears).
Over - should not be used as a replacement for “more than”.
P
Parliament - does not need a capital p.
Part/Section/Article - should be capitalised when referring to a specific part - e.g., Part 4 of the Gambling Act
Passive voice - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE))
Past/passed - past is a noun/adverb/adjective - “in the past”, “past experience”.
- passed is the past tense of “to pass” - “the law was passed in government”.
Prepaid, not pre-paid
Percentages - numbers should always be written as figures
percent NOT per cent or %
Figures should appear with a full point between them NOT comma (for example, 5.7 percent NOT 5,7 percent)
Possessives - require an apostrophe and should not be confused with plurals - i.e., an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s).
Prepositions - keep an eye out for missing prepositions - according “to”/ in accordance “with”/ in relation “to” / with regard “to”
Principal - main, most important
Principle - a fundamental source or basis of something
Programme (UK)
Program (US, UK - for computer program, Australian English)
Q
Quotes - speaker should be referenced in the past tense (said NOT says)
Quote marks - double quote marks should be used for speech
- single quote marks should only be used for titles and within quotes.
(See Quote reference sheet for more information on how to use quotes.)
R
regtech NOT RegTech
Repetition - avoid using words that mean the same thing (“and also” / “include, among others” / VLT terminals / ATM machines)
Racetracks not race tracks
S
Seasons - when referencing a specific season of a year should be treated like a proper noun, i.e. should include a capital - Winter 2018.
Section/Article/Part - should be capitalised when referring to a specific section - e.g., Section 4 of the Gambling Act.
Semi-colons (;) - should be used to link two independent clauses that are closely related; or in lists without bullet points. (Do not overuse - often a full stop and new sentence will be better.)
Sports betting NOT sportsbetting
Sports team names
Storey (pl. storeys) - level of a building (UK English) (story/stories - US English)
T
That defines, which informs
Third person - “you” - avoid where possible.
Titles - all important words should begin with a capital (i.e. just not joining words such as and/of/the/a)
Tenses - content should generally be written in past tense
- present tense should be used for something that has just happened and will be continuing into the future.
U
United States abbreviated to U.S. (Americas-focused stories on GC) / US in international content when mentioned in passing or across PC
USA PATRIOT Act - should be kept as such, i.e. with caps, as it’s an acronym for “Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act”)
U.S. Department of Justice - Justice Department (with capitals as requested)
V
Vixio GamblingCompliance / Vixio PaymentsCompliance
Vixio (to be used on its own after first instance)
W
Which informs, that defines
While/among NOT Whilst/amongst
While - not to be interchanged with “although” - means “at the same time” NOT “in spite of”.
X
Y
Year quarters - Q1, Q2, H1, H2, etc.
Z
Acronyms
AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT
API - application programming interface
DLT - distributed ledger technology
---
Now, given the above instructions and style guide, please generate a horizon scanning
update based on the following webpage content. Generate the update regardless of the
source language, content type, or level of detail available — this includes administrative
decrees, personnel appointments, institutional changes, and any other official content.
Use whatever information is present.
Page 1 Minutes for the Colorado Lottery Commission Call to Order A Commission Meeting for the Colorado Lottery was held on Wednesday, January 14, 2026, online via Google Meet. The meeting was called to order at 8:01 a.m. and was presided over by Chairman Podolski. Attendees In attendance were the following: Stan Podolski, Chairman Margarita Cuellar, Lottery Bill Clayton, Vice Chairman Marie Valtakis, Lottery Christian Reece, Commissioner Meghan Dougherty, Lottery Janelle Quick, Commissioner Mike Strasser, Lottery Michael Shea, Commissioner Pegah Shokrani, Lottery Tom Seaver, Senior Director Rhea Phaneuf, Lottery David Aldag, Deputy Director Scott Chavkin, Lottery Adrian Varney, Lottery Tennille Segura, Lottery Terri Geier, Lottery Alanna Burns, Lottery Tiffany Ramsdell, Lottery Amanda Quintana, Lottery Tom Campbell, Lottery Angel Ramos, Lottery Heather Whitman, Attorney General’s Office Brian Kohnlein, Lottery Sara Kileen, Attorney General’s Office Cristi Gannon, Lottery Ana Rios Salgado, Brightstar Diana Padilla-Morales, Lottery Dwayne Wilson, Brightstar Erin Garcia, Lottery Evan Monteith, Cactus Giana Giraldi, Lottery Dustin Hoover, DOR Gloria Reiter, Lottery Kristi Piazza, DOR Jay Sisson, Lottery Christy Reeves, GOCO Jeanette Casso-Linan, Lottery Mark Basedow, Lotto.com Jorge Rivera, Lottery Frida Silva, OEDIT Kasandra Gutierrez, Lottery Jillian Cummiskey, Scientific Games Kelia Busby, Lottery Skyler McKinley, The Auto Club Group Lauren Back, Lottery Introductions and Welcome Chairman Podolski welcomed everyone and conducted roll call of all the Commissioners. Chairman Podolski, Vice Chair Clayton, Commissioner Reece, Commissioner Quick, and Commissioner Shea were all present. He then stated that all other attendees would be noted in Page 2 the official meeting minutes. Approval of Minutes Chairman Podolski called for any updates to the January 14, 2026, Lottery Commission meeting minutes. Seeing none, Vice Chair Clayton motioned to approve the January meeting minutes, which Commissioner Shea seconded. The motion passed unanimously, 5-0. Public Comment Chairman Podolski called for any public comment. There was no public comment. SGEP Update Jillian Cummiskey, from Scientific Games, was excited to report that the Ultimate Dash Ticket launches on Monday, February 16. The Second Chance promotion is the shopping spree that SG will be putting on in October, and they have signed the contract to have the event at the Wings over the Rockies Museum in Lowry. She also reported that they will be holding their product planning meeting in the following week to tentatively line up all of their games through the end of the calendar year. She noted that one thing she finds helpful about the meeting is that they get the opportunity to present their holiday deck. She noted that SG spends a lot of time going over the previous year’s holiday performance in different jurisdictions and highlighting games that did well, and games that were unique for different reasons. Ms. Cummiskey was happy to report that Colorado had two notable games from the pack last year, out of hundreds of games; the Lottery featured two top-performing tickets. For SCiQ units, one of their current initiatives is looking at stores that have a larger footprint and how they can increase Lottery visibility and further the success of SCiQ stores. Jillian explained that they have identified stores that could benefit from having a second digital menu board. She said she has been working with Tom Campbell, the Director of Sales for the Lottery, and some of the corporate account managers, to identify which stores would benefit the most, and get agreements with those locations to place a second menu board. Ms. Cummiskey also explained that their use of the Market Basket Analysis spurred them to offer a $10 bingo ticket, launched in September of last year. She said from the data pulled, they have seen a lot of growth, and no cannibalization in other areas. She said that this is a great success story in Colorado, and has been used in SG as a training best practice at the beginning of this year. She was also proud to announce that they have 15 retailers either beginning to sell Lottery or have scheduled to start selling this year alone. She also announced that Walgreens has submitted its initial application to the State of Colorado for 136 retail locations. Colorado will be one of the first states in their wave 2, and should begin installing units through calendar year 26. Tom Seaver, Director of the Lottery, mentioned that it was likely a good thing not to be one of the first states to roll out the Lottery in partnership with Walgreens. This gives the company an opportunity to work out any issues and create a solid plan before moving forward in Colorado. Page 3 Brightstar Update Dwayne Wilson, from Brightstar, gave the following update. He announced that as of last Friday, 2,100 counter terminals are currently active in the state. Mr. Wilson gave props to Ms. Cummiskey and her team for keeping up with the vast equipment needs and all the work that goes into an expansion like this. He also mentioned that there are 881 self-service terminals in the field, which is said to have almost doubled since he began working here, further speaking to all the hard work that has gone into expanding the Lottery footprint in Colorado. He also explained that some other states may have restraints for the Walgreens expansion, so SG and BSL have been meeting with Walgreens weekly to stay deeply involved throughout this process. He explained that they have all the equipment they could need based on the business model Walgreens has designed. Everything from self-service terminals, counter terminals, jackpot signs, and all of the other peripherals that go with them is ready for Walgreens. Mr. Wilson reported that Millionaire for Life testing will be wrapping up soon, tying up any loose ends, and will be ready to go for the launch on February 22nd. On the heels of this expansion, the Lottery and BSL have launched Retailer Wizard, which is a new portal designed for retailers that provides them with one place to see and manage their lottery business. They are able to customize their own dashboard to see what information they use most, track orders, deliveries, and inventory, as well as see the rankings for what their store is selling, and which games are most popular. The retailers also have access to Learning Wizard, which was launched about a year ago, which is a self-service portal for existing retailers and their employees. This allows them to instantly give access to new employees when they are hired, so they don’t have to wait for someone to help train them. Learning Wizard provides them with training materials and videos that continue to be updated with all the new equipment and services they provide. Decision Items Tiffany Ramsdell, the Scratch Product Manager for the Lottery, presented four decision items requiring Commission approval: ● Game 411, $5 Crossword Cash with four top prizes of $100,000. This game will launch as needed when the current $5 crossword inventory is depleted. ● Game 418, $5 UNO with two top prizes of $100,000. This game is anticipated to launch on May 11, 2026. ● Game 419, $10 UNO with three top prizes of $250,000. This game is anticipated to launch on May 11, 2026. ● Game 420, $20 Extreme Cash with two top prizes of $1 million. This game is anticipated to launch on May 11, 2026. Commissioner Quick made a motion to approve the decision items as presented, which was seconded by Commissioner Reece. The motion passed unanimously, 5-0. Approval of Scratch Game Guidelines Ms. Ramsdell presented the Scratch Game Guidelines as follows, noting that all games presented are eligible for the monthly $100,000 Second Chance Bonus Draw. Page 4 ● Game 411, with a price point of $5, has a 68.5% payout and overall odds of 1 in 3.92. ● Game 418, with a price point of $5, has a 68.5% payout and overall odds of 1 in 3.81. ● Game 419, with a price point of $10, has a 71% payout and overall odds of 1 in 3.36. ● Game 420, with a price point of $20, has a 74.5% payout and overall odds of 1 in 3.38. Chairman Podolski moved to approve the Scratch Game Guidelines as presented, which was seconded by Commissioner Reece. The motion passed unanimously, 5-0. Scratch Game Performance Ms. Ramsdell then presented the following update on scratch game performance. Lottery overall sales totaled $50.3 million, which is an increase of $1.2 million from the prior year’s monthly performance. Scratch sales are tracking ahead about $7.1 million of where they need to be to hit the $611 million goal for FY26. All price points are tracking ahead of prior year sales except for the $1, $2, and $3 price points. Five new games launched in January, as part of the Gemstone family of games, which included $1, $2, $5, $10, and $20 price points, and is supported by a winning country-themed ad campaign. Jackpot Game Performance Jay Sisson, the Jackpot Manager for the Lottery, informed the Commission that overall jackpot sales for January were approximately $24.9 million, and that was due to the large jackpot during December. Compared to January last year, this January was up about $500,000, and the highest jackpot for this January was $300 million for Mega Millions, and that jackpot is still rolling. During January, there was one winner, a $209.3 million Powerball jackpot winner in North Carolina. That was the third jackpot winner for Powerball in FY26. Mr. Sisson also reported that Powerball is up about $37.6 million from year-to-date projections, so Powerball is the product that is really helping the jackpot. Mega Millions, even though we had a large jackpot, is still down about $1 million for the year-to-date forecast. Colorado Lotto+ is down about $6.9 million, Lucky for Life is down about $560,000, Cash 5 is up about $95,000, and Pick 3 is down about $116,000. Overall, jackpot games are up about $29.1 million (18%) compared to year-to-date projections. FY26 Projected Sales, Expenses, and Disbursements Update David Aldag, the Deputy Director, gave the following update. He explained that the forecasting for the jackpots is something he and Mr. Sisson spend a great deal of time on, but are difficult to predict due to the uncertainty surrounding them. He said that we are currently projected to hit the GOCO cap and have some spillover, but the concern that has been mentioned previously is that the jackpots for this fiscal year are growing more slowly than they have in prior years. Mr. Aldag also reported that the Lottery has 104.5 FTEs, with 4-5 upcoming positions, and estimates that by the end of the fiscal year, there will be about 108 FTEs. Information Items, Director’s Report ● Spotlight Segment: Rocky Mountain PBS TV Segments and Millionaire for Life Launch Page 5 Lauren Back, the Advertising Manager for the Lottery, presented three videos to the Commission. These included two 60-second interstitials created through the partnership with Rocky Mountain PBS. Adrian Varney, the Proceeds Manager for the Lottery, reiterated the significant Lottery funding that contributed to the Hanging Lake Trail reconstruction and Clear Creek Canyon Trail, as outlined in the videos. Ms. Back also shared the 15-second ad for the upcoming Millionaire for Life launch. ● PGAM And Problem Gambling Hotline Amanda Quintana, the Player Health Manager for the Lottery, provided an update on player health, highlighting that March is Problem Gambling Awareness Month, with the theme “Caring Communities Stronger Futures.” They will be using creative messaging on social media and at the point of sale to promote available gambling support. Ms. Quintana also reported that staff will be at the Capitol on March 5th to raise awareness with legislators. The Lottery is also planning a transition to the updated national problem gambling helpline number starting at the beginning of FY27. ● The Latest at Retail Tom Campbell, Director of Sales for the Lottery, detailed the tools and strategies being implemented at retail locations to maximize Lottery sales. Mr. Campbell shared examples of new jackpot signs, which are bigger and brighter, and include window displays, vending machine tops, and countertop versions at the point of purchase. The vending machine network has grown, with 27% of retailers now having them, which is a 7% increase in the last year, helping toward the Lottery’s goal of having them with 60% of retailers. Vending machine sales accounted for 29% of sales within the last 13 weeks, and he is looking forward to bringing in 48 new game machines within the next year. Mr. Campbell also discussed digital menu boards, which are an upgrade from the previous displays, and enable the players to make selections faster. Testing in five Murphy locations showed a 4% increase in sales compared to retailers without them, and the rollout will expand to all 50 Murphy locations. Tom Seaver also highlighted that the SCiQ unit, which is required alongside the digital menu board placement, has virtually eliminated theft in stores that utilize it and has improved inventory management. Mr. Campbell introduced the new Halo LED Lottery logo sign, used to target smaller retailers like liquor stores, which has shown up to a 40% sales increase in initial testing. The Lottery has added over 200 retailers in the last two years, with another 100 on pace for the current fiscal year, bringing the total number of retailers to 3,050. He also described various promotions, including grand openings with wheel spins, an Orange Cash promotion featuring the Broncos mascot, and coupons and rewards programs with corporate chains like King Supers and Circle K. Additionally, the message wrap on grocery store conveyor belts will be expanded to 15 King Supers locations after test sales were up 8% on average. Page 6 ● Millionaire for Life and Post-Conversion Update Terri Geier, Director of Operations and Development, provided a post-conversion update on the new system that went live in September. She noted that they are tracking 216 open items, including undelivered items, bugs, and change requests. The conversion was a success, despite some difficulties that came along with such a large change. The Millionaire for Life game is scheduled to go live on February 22nd, with core testing complete and only cleanup testing remaining, with minimal issues reported back to BSL. ● New GASB Pronouncement Erin Garcia, the Controller for the Lottery, announced that the Lottery will be implementing the new GASB pronouncement on Financial Reporting Model Improvements in FY26. This will change the statement of revenue, expenses, and change in net position to align with increased consistency in classifying operating and non-operating revenues and expenses. Additionally, the Management Discussion Analysis (MDNA) will require greater detail on why numbers are changing, with more charts, graphs, and tables to make the financial statements easier for a general reader to understand. ● Lottery in the News Meghan Dougherty, Communications Manager for the Lottery, provided an update on recent publicity, including a Denver Post article about a poll from an anti-iLottery association. She also noted positive coverage surrounding the upcoming launch of “Millionaire for Life.” Tom Seaver mentioned that there will likely be more attention on iGaming and iLottery as the approval of the rules approaches. Ms. Dougherty mentioned the upcoming press release in March for PGAM, and the Lottery will also highlight the unique Gemstone games and Unlimited Dash. Commission Items There were no commission items. Adjournment Chairman Podolski motioned to adjourn the meeting, which was seconded by Vice Chair Clayton. The motion passed unanimously, 5-0, and Chairman Podolski closed the meeting at 9:29 am. Completed by: Alanna Burns Date of Approval: