Hello, I am curious to know if i require a license for a 'quick return' business - which is as follows: The model is around the traditional lottery. People pick a 'ticket' and if there ticket wins - they get the prize. However, the payout isn't until all tickets have been sold and therefore i don't have the risk of paying out a prize that i don't have. The prize is 10% of the total sales i make from the 'tickets'. I think this takes me out of any insurance problems, as the insurance (as far as i know) is to cover your back should somebody win a prize that you can't afford to pay? I am wondering if i will need a gambling license? *This is an online business* Thanks to everybody that takes the time to read and reply, Andy.