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00:00:00,00 --> 00:00:03,000
James, Sandra and Julie all play the lottery

2
00:00:03,100 --> 00:00:07,600
They spend a few pounds each week hoping 
to hit the jackpot

3
00:00:07,700 --> 00:00:09,400
James the loner plays by himself

4
00:00:09,500 --> 00:00:13,400
He gets a few promising chances... but never 
seems to win

5
00:00:13,500 --> 00:00:17,700
Sandra has a bright idea - she wants to play 
in a syndicate

6
00:00:17,800 --> 00:00:21,600
She knows she can get more chances this way

7
00:00:21,700 --> 00:00:24,400
But setting up and running a syndicate is 
a hassle

8
00:00:24,500 --> 00:00:28,600
She has to get friends to join, buy tickets 
each week, collect money...

9
00:00:28,700 --> 00:00:31,000
And pay out the winnings, if there are any

10
00:00:31,100 --> 00:00:35,100
Plus, they could run into legal issues without 
an agreement

11
00:00:35,200 --> 00:00:39,400
Julie, the smartest player, joins a managed 
syndicate

12
00:00:39,500 --> 00:00:44,300
Tickets are bought for her, the syndicate 
agreement guarantees her winnings will be 
paid

13
00:00:44,400 --> 00:00:47,400
and she has no worries about receiving her 
money,

14
00:00:47,500 --> 00:00:51,100
since everything's organised by the syndicate 
manager.

15
00:00:51,200 --> 00:00:55,400
When Julie and her syndicate won, everyone 
knew what they were entitled to

16
00:00:55,500 --> 00:00:57,700
and received their money instantly.

17
00:00:57,800 --> 00:01:02,100
Finally, Julie could afford to buy that hot 
tub she always wanted.

18
00:01:02,200 --> 00:01:05,300
And that gardener she always dreamed about!

19
00:01:05,400 --> 00:01:10,200
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