Our security checklist above provides a comprehensive pre-deposit verification process for any online casino new zealand. We exclusively recommend platforms supporting NZD to avoid currency conversion fees, which can cost 2-4% per transaction at sites operating only in USD or EUR. While pokies dominate online gambling nz traffic, the best online casinos nz offer comprehensive game libraries spanning multiple categories. Diversifying your play across game types provides variety, different risk profiles, and often better odds than pokies alone. Progressive jackpot games carry lower base RTPs (typically 88-94%) because a portion of each wager feeds the jackpot pool.

Its bonus structure is one of the main highlights, with welcome offers, reload deals and free spins available across different promotions. The system is an intermediary, allowing you to make direct transactions from your bank account. While many online casinos now offer POLi for deposits, not all will offer the payment method for withdrawals, so check this before signing up with the online casino. POLi is a direct bank transfer payment method that connects your NZ bank account to online casinos without requiring card details or e-wallet accounts. POLi acts as a secure bridge between your bank and the casino, processing instant transfers that appear in your casino balance within seconds – no registration, no fees, no delays. Regular bank account payments on gambling sites often occur through bank transfers or credit cards.

Before depositing at any POLi pay casino NZ, take a moment to review the site’s bonus terms. Most platforms support POLi deposits for welcome offers, but it’s smart to confirm you’re eligible – especially if free spins or match bonuses are involved. In most traditional banking options, you have to spend a lot of time typing in the necessary information and have to be very careful about it. POLi payment NZ casinos online are lightning-fast and really easy, even on a mobile device. Hence, it is a favorite payment method with pokie players wishing to deposit more funds during slot tournaments. Poker players can boost their bankroll quickly and never miss a hand.

Best POLi Casinos for Kiwi Players 2026

It delivers the full lobby and live dealer rooms with zero install footprint, and updates roll out instantly without any need to download a new build from an app store. We don’t think too much about it anymore — POLi just fits into the way we play. When someone’s about to join a tournament or try out a new slot, it takes less than a minute to top up the account and jump in. Sometimes casinos don’t promote POLi upfront, but still offer it in the cashier. A 30-second check now saves 10 minutes of signing up for nothing. As long as the casino is legit and you’re playing responsibly, POLi is a perfectly legal and bank-approved way to move money.

POLi provides instant deposits directly from a player’s bank account to their casino balance without needing cards or e-wallets. The process takes minutes to complete, and withdrawals require alternative methods since POLi primarily handles deposits. Many POLi casino sites offer special welcome packages for players using this payment method. Some platforms provide no deposit spins exclusively for POLi users, giving players free chances to win before committing funds. SkyCity Online Casino is the digital extension of the well-known land-based SkyCity Auckland. It is a fully licensed POLi casino NZ that offers quick and secure POLi payment casino options for local players.

• They link a Skrill account or use a basic bank transfer to get their money out.
• It’s impressive $30,000 package plus 50 Super Spins is hard to beat!
• With secure means of payment, fair play, and exciting bonuses, NZ$1 deposit casinos are finding wider popularity with sophisticated gamblers in search of high-return, low-risk gaming fun.
• These tests ensure that game outcomes are genuinely random and not manipulated.
• This casino accepts POLi as both deposit and withdrawal methods along with a handful of other payment options.
• A license ensures fair gaming, secure transactions, and player protection.
• Over 70% of online gambling nz activity now happens on mobile devices, according to industry data from 2025.
• Wagering requirements determine how many times you must play through the bonus before withdrawing.
• The best online casinos nz stock predominantly high-RTP games and publish aggregate payout reports.
• You place a bet and watch the multiplier climb, trying to cash out before it crashes.
• Every casino featured on our site goes through an extensive, multi-step review process to ensure it meets strict criteria across multiple categories.
• This explains Kiwis’ choices towards POLI in gambling online and mobile.

Look for casinos that provide secure, convenient, and instant payment options such as POLi, Skrill, Neteller, and credit/debit cards, even cryptocurrencies. Play pokies such as Mega Moolah, and roulette, blackjack, and live casino games, which can be played even with minimum deposits. We’ve picked the top $1 deposit casinos in New Zealand where you can play for real money, get fantastic bonuses, and a massive selection of games, all from as low as NZ$1. These websites prove that fantastic fun doesn’t have to equal large deposits. A casino offering games with an average RTP of 96.5% retains 3.5% over millions of transactions. The best online casinos nz stock predominantly high-RTP games and publish aggregate payout reports.

With POLi pay, you can play pokies, table games, and live sessions. Below you’ll find a selection of online casinos that accept POLi payments for New Zealand players. We review each platform based on security, payout speed, and overall player experience. Thus, POLi offers you all the perks of online payment methods, but it works in direct connection with your bank account. Because of this, it offers an additional layer of safety, making it ideal choice for almost all Kiwi players, and in particularly those not familiar with other online payment systems.

• So there’s no risk of sensitive financial data falling into the wrong hands.
• Kiwi players can enjoy an authentic casino experience with games like live blackjack, roulette, and unique game show-style games.
• POLi is a strong choice if you want a fast online casino POLi deposit via NZ internet banking without using cards.
• Lucky Ones Casino stands apart with its multi-tiered VIP system that genuinely rewards consistent play rather than just high-roller deposits.
• Professional dealers operate real tables from studios in Malta, Latvia, the Philippines, and other locations, streamed in high definition to your device.
• Providers like NetEnt, Thunderkick, and ELK Studios dominate the catalogue.
• Wheelz ensures safety for its players and legal grounds to start gambling.
• We’ve compiled a list of top online casinos for Kiwi players, carefully reviewed with transparency and dedication.
• A 96% RTP game with low variance will return small wins frequently, with fewer dramatic swings.
• As we said above, the POLi payment system itself does not charge any fees to players.

ASB and Westpac consistently deliver the fastest confirmations at 5–8 seconds average, while Kiwibank and TSB sometimes lag at 15–20 seconds during evening peak hours. Playing at a New Zealand casino online isn’t yet regulated by local authorities, but that’s set to change. From that point on, only operators that hold a New Zealand licence will be legally allowed to offer online casino gambling. We’ll keep you updated on this new regulation and how it will affect you. The best casinos online in NZ offer a first-time deposit match to get you started. You’ll usually get a matched percentage up to a set amount, sometimes with free spins included.

Do POLi Casino Sites Offer Bonuses for Newcomers?

This casino accepts POLi as both deposit and withdrawal methods along with a handful of other payment options. If you have online banking but do not own a credit card, this is the best payment option for you as many players do not wish to directly link their bank accounts to the casino. POLi adds an additional layer of security and is a fairly convenient method of making casino payments anonymously. Low minimum deposits work well for testing new casino sites or managing bankrolls carefully.

What is the best online casino NZ for real money?

Now I tear them apart, call out the scams, and show players (especially the young ones) where the fun stops and the trap begins. Daily rewards programmes and reload bonuses give POLi users ongoing value beyond the initial welcome offer. Players should check each casino’s terms, as some bonuses apply only to specific deposit methods or require minimum amounts above the standard threshold.

• The platform categorises games intuitively, with filters for volatility, RTP range, and provider, which makes finding your preferred casino games online nz straightforward.
• Apart from this one, a few other reputable casinos like Jackpot City and Royal Vegas also support POLi.
• Players at Slotbox are in for a treat this season with a new way to win bonus spins while playing …
• Verify the licence through the regulator’s public registry, test customer support responsiveness, read bonus terms thoroughly, confirm NZD banking support, and check independent reviews.
• Upload identification documents immediately after registering — don’t wait until your first cashout.
• The advantages of using POLi casinos are vast because if you don’t want to use your debit card, you can opt for excellent security and fairness with the POLi app.
• To do that check our site because we tried to offer the best accurate answers to your questions.
• Here’s a practical framework based on what different types of players typically value most.
• That’s why we check for top-tier encryption, secure payment systems, and game fairness testing.
• There’s no need to create a separate account or load funds beforehand.
• IBet Casino provides another excellent option with bonuses reaching 2,200 NZD plus 100 free spins on Gates of Olympus.

Is POLi safe for online casino deposits?

That makes it one of the largest catalogues among best online casinos nz. The platform categorises games intuitively, with filters for volatility, RTP range, and provider, which makes finding your preferred casino games online nz straightforward. Beyond licensing, trusted online casinos nz implement SSL encryption (256-bit minimum), partner with independent auditors like eCOGRA or iTech Labs, and maintain segregated player accounts. We verify each of these elements before adding any operator to our list of safe online casinos new zealand players can join. Understanding bonus structures is critical for getting genuine value from online casinos nz.

Also, the debit payment method can be used to pay bills or make purchases online. New Zealand’s regulatory environment operates under the Gambling Act 2003 and Racing Industry Act 2003, administered by the Department of Internal Affairs. Playing at international casino sites isn’t explicitly illegal for players, but those operators hold licenses from Malta, Curaçao, or UK authorities. Transaction records appear on your bank statement using the merchant name that the casino registered with its payment processor, not always under the actual casino brand name. I’ve seen deposits to “Royal Panda Casino” show up as charges to “RP Interactive Limited Malta” or similar corporate entity names. Processing times advertised as “instant” actually mean 5–30 seconds in real-world conditions.

However, you must maintain regular gameplay in the online casino to receive them. While POLi Pay allows operators to receive money, the same cannot be said about New Zealand players. Nevertheless, you can use bank transfers as an alternative, while physical cheques are also an option.

POLi payment system is viewed as a simplified sign-up process in NZ. Still, it’s important to note that it might vary depending on the region and the specific online casino merchant. If you pick a Poli deposit casino from our page, here’s our guide on joining, depositing money, and everything else the payment system offers. All things considered, Luckster Casino is one of the popular Poli casinos that we recommend for NZ online pokies players. The best way to find casinos that accept POLi is to look for “POLi / Instant Bank Transfer / Internet Banking” in the cashier and confirm NZD support. Our toplist above focuses on POLi casinos NZ we’ve tested with real deposits.

While New Zealand does not license local online casinos, players are allowed to access international platforms that accept NZ customers. Many offshore casinos support POLi payments, giving NZ players a convenient way to fund their accounts while enjoying real money gaming. It’s become quite common for seasoned players at NZD accepting casinos to use one of the popular e-wallets for their deposits and withdrawals. For most of these players, POLi probably isn’t all that interesting, as they already have a convenient method they are comfortable with.

• Crypto deposits via Bitcoin and Litecoin are supported alongside traditional methods like Visa and bank transfer.
• The online gambling nz landscape shifts constantly — new operators launch, existing ones update their terms — so we revisit our rankings monthly to ensure accuracy.
• POLi has become more common because it’s designed specifically for Australian and New Zealand banking systems.
• Over 70% of online gambling nz activity now happens on mobile devices, according to industry data from 2025.
• We look at licensing jurisdiction, software providers, payment processing for NZ bank accounts, customer support responsiveness, and actual payout timelines.
• You place a bet and watch the multiplier climb, trying to cash out before it crashes.
• Casinos aren’t a way to get rich—they’re entertainment, and you’re paying for it with your New Zealand dollars.
• Even when luck isn’t on your side, cashback offers can return a percentage of your losses, giving you another shot at gameplay without dipping back into your wallet.
• The exact processing period varies from one withdrawal method to another.
• The great thing about POLi is that the player’s data is hidden behind strong encryption.
• With secure means of payment, fair play, and exciting bonuses, NZ$1 deposit casinos are finding wider popularity with sophisticated gamblers in search of high-return, low-risk gaming fun.
• The best online casinos nz stock predominantly high-RTP games and publish aggregate payout reports.
• Claiming these boosts your bankroll, giving you more cash or spins to play with.

Also, users can enjoy gaming when and where it is most convenient since POLi allows fast, easy payments via desktop, tablet, and smartphone. This timeframe relates to how long the casino processes your withdrawal. The time it takes to receive the funds in your bank account may still be longer, as your chosen payment provider must approve it.

What is a $1 Deposit Casino?

You’ll still find credit cards in NZ online casinos that accept POLi. Your credit card details can remain with you without the risk of an online compromise. POLi is the perfect online payment method for online gambling due to its remarkable range of user benefits. It is unbeatable in convenience, safety, ease of use, and fast payment reconciliations. While we’ll look at the benefits for online gambling, note that the same benefits apply to other online payments with the service. Before we get to POLi deposit casinos, let’s lay the groundwork for the payment method.

Responsible Gambling Resources

The platform runs on the SoftSwiss engine, hosting 4,800+ games with comprehensive filtering options. West Ace particularly excels with its cryptocurrency integration, accepting Bitcoin, Ethereum, Litecoin, Dogecoin, and Tether. Crypto withdrawals process almost instantly after internal approval, making this the go-to choice for crypto-savvy NZ players exploring real money casino nz options. Robocat Casino entered the online gambling nz scene in late 2024 and quickly established itself as a favourite among Kiwi players.

The 24 casino lobby covers pokies, live dealer tables, classic table games, jackpots, and crash titles, with daily, weekly, and monthly promotions running alongside a four-tier VIP programme. POLi is an online payment method across Australia and New Zealand. It acts as a link between internet banking accounts and online casinos. In this payment method, the online casino players can deposit money in the casino account directly from their bank accounts.

Casinos that Accept POLi

• The withdrawal options are fairly limited as compared to the deposit methods.
• Minimum deposits at our recommended nz online casinos range from NZ$10 to NZ$30, depending on the platform and payment method.
• Trusted online casinos nz earn that trust over time — give new operators the chance to prove themselves without risking significant funds.
• West Ace particularly excels with its cryptocurrency integration, accepting Bitcoin, Ethereum, Litecoin, Dogecoin, and Tether.
• The game selection exceeds 3,800 titles, with a particularly strong live casino powered by Evolution and Pragmatic Play Live.
• New Zealand players have access to several trusted casino sites that accept POLi deposits, with options ranging from premium platforms to budget-friendly venues.
• Just open the casino site in your mobile browser, head to the cashier, and log into your bank like usual.
• All testing was conducted with real NZD deposits at each platform.
• Avoid any platform where internal processing regularly exceeds 48 hours.
• For most of these players, POLi probably isn’t all that interesting, as they already have a convenient method they are comfortable with.
• Always verify withdrawal timelines in the operator’s banking section.
• Online gambling nz on mobile is now the dominant way Kiwi players access these platforms.

Completing the ID check process upfront avoids delays when it’s time to withdraw. Most casinos online in NZ require it, but no KYC casinos let you skip verification, especially if you’re playing with crypto. Look for top providers like Pragmatic Play and Evolution, plus a good mix of pokies, table games, and live casino options.

💡 Expert Tip: Before Your First Deposit

Typical bonuses include match deposits up to 1,500 NZD with 200 free spins, or tiered packages like 350 NZD with 170 free spins plus exclusive no deposit offers. A POLi casino is one that accepts payments via POLi, both on mobile and the online version of the site. What this payment system offers is primarily ease of use and added safety. The casino sites verified by our team accept not only POLi payments but also provide various rewards specifically to POLi players.

POLi is one of the most convenient payment methods for online casinos in New Zealand, allowing players to deposit directly through their local bank accounts without using a credit card. Many real money casinos support POLi for fast and secure transfers, making it a popular option among NZ players looking for simple deposits and reliable withdrawals. Many real money casinos support POLi for fast and secure transfers, making it a popular option among NZ players looking for simple deposits and reliable…

Unlock the Ultimate Pokies Adventure at Kiwi’s Treasure!

Check our top picks above, we flag which sites are fully mobile-optimised or app-ready. Many casinos accepting POLi allow deposits in NZD, reducing conversion fees and simplifying transactions. If the entire concept seems a bit confusing to you at first, it’s understandable, but we have some good news. POLi is extremely simple to use, and after your first deposit, you’ll know everything there is to know about using this method.

No cards, no apps, just your regular bank login and a few clicks. Wanted Win Casino works well for players who want a strong bonus package, many game categories and flexible payment options. OnlySpins Casino works well for players who want casino games, sports betting and recurring promotions in one place. The deposit time is very fast, secure, and convenient, and the best part is that you can deposit all you want and start exploring 1000+ available classic slots, jackpot slots, and video slots.

Play Responsibly

The goal is to help players who want to learn more about online gambling and improve their skills and knowledge. I don’t have a lot of time, but I always manage to find it when it comes to gambling meetings and all sorts of related events. These help me stay in touch with the latest additions, improvements, and all the rest that can help me in the job and my passion.

Is it legal to play at online casinos in New Zealand?

Payments will occur within the same day if the POLi NZ casino uses the same bank as you. These give you a small reward just for signing up, no payment needed. SkyCity Queenstown is a casino located in Queenstown, New Zealand, that opened in December 2000. We’re here to help you make the most of every spin, hand, and bet, turning every visit into a rewarding adventure. Secure your account with a unique password and activate 2FA where available to prevent unauthorized access.

Live dealer rooms run continuously through Evolution, Pragmatic Play Live, and Ezugi, covering blackjack, roulette, baccarat, casino hold’em, and a full set of game shows. Table game options include multi-hand blackjack, European and American roulette, video poker variants, and casino-style poker. Crash titles, instant-win games, scratch cards, and three in-house progressive jackpots round out the catalogue. Provider names listed below are confirmed from the active lobby, and the featured titles are pulled directly from each studio’s 24casino selection.

SkyCity Online Casino – Trusted POLi Casino NZ Licensed in New Zealand

What sets this apart from other real money online casinos nz is the 25x wagering requirement — significantly lower than the industry average of 35-40x. Remember to gamble responsibly, verify any operator’s licence before depositing, and start with amounts you’re comfortable losing. The real money online casinos nz we’ve recommended have all demonstrated reliability during our testing — but personal due diligence is always your best protection. Treat online gambling nz as entertainment, set your limits, and enjoy the experience. We contact support at odd hours, ask difficult questions, and time the responses. The best online casinos in new zealand offer 24/7 live chat with knowledgeable agents who can resolve issues quickly.

How long do deposits at POLi online casinos take?

The platform features 4,100+ games with a strong emphasis on high-RTP pokies. Providers like NetEnt, Thunderkick, and ELK Studios dominate the catalogue. Dragonia also operates an exclusive games section with custom-built titles unavailable elsewhere, adding genuine differentiation from competing best online casinos in new zealand. The game library houses approximately 3,200 titles, with 98% of them fully optimised for mobile play. Live dealer games stream without buffering on 4G connections during our Auckland-based testing. The welcome casino bonus nz package includes matched deposits and free spins, with a combined value that can reach NZ$2,000 plus 200 free spins across the first three deposits.

Set Personal Limits

Their tiered VIP system rewards real activity with cashback, personalised bonuses, and faster withdrawal processing at higher tiers. During our testing of this online casino nz, we reached Silver tier within two weeks of moderate play and noticed tangible improvements in support response times. We deposit NZD using at least three different payment methods per site. We note minimum deposit amounts, processing times, and whether any fees are applied. Not every online casino new zealand site deserves your time or money.

The best casinos online in NZ offer licensing from respected authorities like the Malta Gaming Authority (MGA) or Curaçao eGaming. These bodies enforce fair play, player protection, and responsible gambling policies. We’re here to help you make informed choices, so every spin, hand, and bet becomes part of a rewarding and secure experience. With PlayCasino.co.nz, you can dive into your next gaming adventure knowing you’re in safe hands. Interested in learning how to play like a seasoned pro and boost your chances of winning? Our Game Guides provide you with detailed strategies, rules, and insider tips for all the popular casino games New Zealand players love.

Responsible gambling should be a non-negotiable consideration when choosing any online casino nz. While these percentages appear small, they represent thousands of individuals and families affected. During our mobile testing on iPhone 15, Samsung Galaxy S24, and Google Pixel 8 devices, we evaluated loading times, touch responsiveness, and battery consumption.

However, the servers fill in your banking details after opening your Internet banking service. This website provides information about online casinos accepting POLi in New Zealand. POLi sessions expire after 10 minutes of inactivity as a security measure. POLi operates as a payment intermediary that connects your internet bank account directly to the casino without requiring you to share banking credentials with the site. Make sure the site you play has standard encryption protocols and offers secure payment processing. While the Gambling Act 2003 prohibits New Zealand operators from running online casinos, you can play at offshore casinos without any issues.

The brand operates under an established regulatory framework, with player-protection rules embedded in the terms and reflected in the responsible-gambling dashboard. Returning players reach their account through the Log In button in the header, available on every page across desktop and mobile. The login form accepts the registered email address and password, or a social-sign-in option for accounts linked to Google, Telegram, or MetaMask.

This payment service really offers all benefits for New Zealand players, and mobile casinos that accept POLi are gaining more popularity. That’s because of much safety and trustworthiness of this payment method. This explains Kiwis’ choices towards POLI in gambling online and mobile. Many online casinos in New Zealand support POLi as a payment method. These casino sites are known for their remarkable reputations for safety, privacy, and the best bonus offers.

What POLi/Your Bank May Log (for reconciliation & fraud prevention)

POLi never stores your login details or handles your funds directly; it facilitates the payment only. Considering the technology implemented in the POLi system, we can ensure that all transactions are safe and secure on POLi casinos. The sites also are licensed and regulated by particular jurisdictions confirming their legal performance. The most significant benefit is that players’ bank details are never exposed. Another upside of using POLi is that it is free, unlike several other web wallets. However, payments sent outside these hours will be processed the next day.

Customer Support Сriterion

This category includes games like keno, bingo, scratch cards, and arcade-style gambling games. They’re great for mixing things up when you want something more casual. Kiwi’s Treasure offers a dazzling array of welcome bonuses to kick-start your gaming journey.

New Zealand’s gambling laws operate under the Gambling Act 2003, which regulates all forms of gambling within the country. The Act permits New Zealanders to gamble at offshore online casinos nz, provided those operators are based outside NZ borders. Domestic operators cannot legally offer online casino new zealand services to residents — which is why all recommended best online casinos nz are internationally licensed.

At CasinoList.co.nz, we take the legality of real money gambling for New Zealanders very seriously in all reviews of Poli casinos we list on this page. Our experts ensure Poli casinos operate legally in NZ so NZ bettors can rest assured. We recommend checking T&C before you opt-in for a promotional offer. Another key factor is that their most important policy is the high standard quality of the product and the widespread payment system in the NZ gambling industry. If you are a NZ POLi pay user, you can access the thrills of the casino world with peace of mind.

Legal Status of Online Gambling NZ

All five major NZ banks support POLi for casino deposits, covering 95%+ of New Zealand banking customers. Each bank processes POLi transfers identically – instant, free, secure. To vet the security of your POLi deposits in New Zealand online casinos, our experts check the cashier to ensure the authentic Poli Pay method is listed. Sign up now to receive exclusive weekly casino bonus offers straight to your inbox! Discover top-rated online casinos reviewed by experts, and enjoy the best gaming experience with exciting rewards.

$1 POLi deposit options make online gambling accessible to players on any budget. Several casinos that accept POLi allow these micro-deposits whilst still providing full access to their game catalogues. Gambling sites that accept NZ players are doing their best to meet their poli payment casinos needs, including payments via POLi Pay. Not all online casinos offer it to Kiwis, but you will surely find it in the top POLi casinos presented in this article.

Free spins

Bonus fairness (wagering requirements, maximum cashout limits, game contributions) makes up 15%. The remaining 20% covers mobile optimisation, customer service responsiveness, and responsible gambling tools. Only nz online casinos scoring above 8.2 out of 10 earn a place on our toplist. Of the twelve new platforms we tested in Q1 2026, only three met our standards for recommendation. The rest had issues ranging from slow KYC processing to unclear bonus terms and limited payment options for NZ players.

• We particularly liked their “quick play” feature, which lets you launch games without navigating away from the lobby.
• They come in different forms, like welcome bonuses for new players and free spins on online pokies.
• With a small deposit, get up to NZ$750 in welcome bonuses, extending your gameplay and boosting your winning potential right from your phone.
• However, from our experience, many POLi casinos won’t let you withdraw, which can be frustrating.
• For cryptocurrency users, ReelsOn Casino processes crypto cashouts in approximately 10 minutes.
• Dragonia Casino publishes monthly RTP reports audited by eCOGRA, with an aggregate payout rate of 97.3% — the highest payout online casino nz we’ve verified.
• Since over 2.7 million adults in New Zealand own credit cards, POLi is the most convenient online payment solution for Kiwis.
• Give yourself a weekly number, write it down, and stick to it — whether you’re using POLi, a card, or anything else.
• Popular New Zealand banks support POLi payments to online gambling platforms.
• By adding your e-mail you agree to receive daily casino promotions, and this will be the sole purpose it will be used for.
• Some operators offer cashback with no wagering requirements, making it one of the most valuable promotion types available.

How does 24casino protect my personal data and account?

Self-exclusion periods typically range from 24 hours to permanent, depending on the platform. Among new online casinos nz launching in the past twelve months, Spin Empire Casino has generated the most positive player feedback. Launched in February 2026, the platform benefits from modern infrastructure — fast servers, contemporary UX design, and integration with the latest game releases from day one.