Understanding why people gamble and typologies

Although you can monitor them, it might be difficult, and perhaps even counterproductive, to try to completely control a teenager’s activities. However, you can limit the amount of screen time and social media access a younger child has or use parental controls to steer them away from gambling sites. Take any talk of suicide seriously, as studies show that people with gambling addiction are more likely to attempt suicide. A study from 2020 found that the risk of suicide is even higher when the person is struggling with an additional disorder, such as substance use. Think about how your life might improve if you were free from your gambling problem. And while gambling can trigger feelings of excitement and euphoria, it’s important to remember that all forms of gambling are inherently risky.

Employment and educational harms

Given the correct powers and resources, the Gambling Commission can continue to make gambling safer, fairer and crime free. This White Paper is a coherent package of proposals which we believe can significantly support and protect consumers, and improve overall standards in the industry. Everyone has the freedom to enjoy a flutter on the horses or football through their phones, anytime, anywhere – and most people do so without any issues. The maximum deposit amount at Spinzwin Casino for pay by phone is £40, making it suitable for budget-conscious players. However, players should be aware of the 15% processing fee for pay by phone deposits.

• Regulatory bodies like the UKGC collaborate with charities and organizations to promote safer gambling behaviors and understand gambling trends.
• Their commitment to mobile gaming includes being one of a handful of pay by mobile casino operators, meaning punters can make deposits which are added on to their phone bill.
• Similarly, a centrally co-ordinated self-exclusion database (“GAMSTOP”) also allows customers to self-exclude from remote gambling offered by operators licensed by the Gambling Commission.
• This combination fosters a genuine casino experience with real-time interaction among players and dealers.
• The online casino landscape in the UK for 2026 is dynamic and diverse, offering players a wide range of options to suit their preferences.
• Playtech is the gambling industry’s leading software and services supplier and partners with many of the world’s leading regulated online, retail and mobile operators.
• The harder it is for you to engage in the behavior, the more time you’ll have to recognize and defuse a craving.
• This lower confidence was in part due to methodological limitations (for example, most studies in the reviews were cross-sectional) despite some having large numbers of studies.
• These include ending advertising and promotions, providing centralized account registration to require those who gamble to set binding loss limits, and restrictions relating to access and availability (opening hours, density).
• The Commission is also known to work with its regulatory counterparts in other jurisdictions in tackling the black market.
• Gambling happens when you play any game of chance or skill, in which you stake something valuable that has potential for a prize win.
• For example, as of January 2026, the maximum welcome bonus at UK casinos online is a deposit matched games bonus of 100% up to £100.
• This White Paper is a coherent package of proposals which we believe can significantly support and protect consumers, and improve overall standards in the industry.
• Most of the studies published on gambling and harm do not allow us to determine that gambling came before the harm.

The non-commercial stakeholders thought that tackling gambling-related harm requires a whole systems approach, in other words a public health approach. The qualitative studies described that adult gamblers had lost jobs, were demoted or resigned due to gambling. Gambling was linked to loss of concentration on work activities, showing up late, not turning up for work or turning up after no sleep. We identified gambling-related debt as a crucial harm that can lead to other harms such as relationship problems, physical and mental health problems, and crime. Demographic factors, particularly being male, appear more significant in predicting at-risk gambling behaviour than economic factors such as income, employment, and relative deprivation.

Playing roulette at the live casino means bettors are eligible for a range of live casino promotions, while Coral have a massive selection of free-to-play games, offering various rewards, including free spins and cash prizes. There are many different legal UK gambling options for residents to partake in. According to the Gambling Act 2005, gambling is defined as “betting, gaming or participating in a lottery.” The UKGC has broken down gaming into multiple sectors in order to expedite their licensing procedures.

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If your loved one has a gambling problem, you likely have many conflicting emotions. You may have spent a lot of time and energy trying to keep your loved one from gambling or having to cover for them. At the same time, you might be furious at your loved one for gambling again and tired of trying to keep up the charade. Your loved one may have borrowed or even stolen money with no way to pay it back. They may have sold family possessions or run up huge debts on joint credit cards. One way to stop gambling is to remove the elements necessary for gambling to occur.

These bonuses are often limited to specific areas of the casino, such as particular games or sections. Additional spins may be granted upon making a deposit, providing further incentives for players to explore the casino’s offerings. Experts assess mobile casino platforms based on design, usability, game selection, and overall performance.

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If you aren’t able to resist the gambling craving, don’t be too hard on yourself or use it as an excuse to give up. You may slip from time to time; the important thing is to learn from your mistakes and continue working towards recovery. Of course, you can also have a gambling problem without being totally out of control.

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Children as young as seven can struggle to control how much time they spend playing video and mobile games, many of which ask for micro-transactions and payments. WHO is coordinating a group of global experts to build capacity to address public health implications of gambling. Initial efforts include leading the development of new diagnostic instruments for gambling disorder to better reflect populations outside North America and facilitating an expert consensus on diagnostic boundaries.

Although HSE is a good data source, not all topics relevant to gambling are included and we had to rely on other sources of published data to fill gaps. Stakeholder views were consistent about the hidden nature of gambling-related harms, in that many harms are not apparent to others. According to 2020 YouGov data on gambling treatment and support (PDF, 1.4MB), around 7% of the population of Great Britain (adults and children) were found to be negatively affected by someone else’s gambling. The North West (4.4%) and North East (4.9%) had the highest prevalence of people gambling at levels of elevated risk, while the South West (3.0%) had the lowest prevalence. Due to small numbers, it was not possible to determine the levels of problem gambling for each region in England with any statistical significance. We used a mixed methods approach for this review, including quantitative, qualitative and rapid review methodologies.

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Persons wishing to enter the British land-based casino market have typically purchased existing businesses. In addition to the LCCP, the British regulator also publishes a large body of literature comprising regulatory advice, policies and guidance which licensees are expected to take account of. Before transferring any money into a gambling account, there are some things you should check. It covers almost every major league across the world, offering an array of markets and (often) the best odds across the board.

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The review is a once-in-a-generation opportunity to deliver positive change for gambling in Great Britain and for all people impacted by it. Everyone at the Commission welcomes today’s publication of the White Paper and is determined to work with government and partners to make these changes a reality. It has made gambling easier, quicker and often more fun, but when things go wrong it can see people lose thousands of pounds in a few swipes of the screen. Most people play without issue, but there are too many cases of addiction, catastrophic financial loss and, in some tragic cases, suicide.

Over £16 billion is gambled each year in the UK across a variety of platforms, with wagering available on everything from lotteries, sports betting, casino, bingo, and more. The most socio-economically deprived and disadvantaged groups in England have the lowest gambling participation rates, but the highest levels of harmful gambling and they are also the most susceptible to harm. So, if there are no interventions to improve this situation, harmful gambling is likely to make existing health inequalities worse.

Causes and risk factors of compulsive gambling

You may also experience some issues with your browser, such as an alert box that a script is taking a long time to run. The Whole Act without Schedules you have selected contains over 200 provisions and might take some time to download. The Whole Act you have selected contains over 200 provisions and might take some time to download.

This generous welcome bonus is designed to attract new players and provide them with a great start to their gaming journey. Existing customers are also well-catered for, with five bonus spins and 10% cashback available during the weekends. User reviews provide valuable insights into the overall performance and reliability of an online casino. These reviews can help players make informed decisions about where to play, ensuring a satisfying and secure online casino experience. Casino.com emphasizes responsible gambling by providing tips and resources to promote safe practices.

Limit how much you gamble

The live dealer games at BetMGM deliver an experience akin to being physically present in a casino online UK, making it a top choice for players seeking a realistic gaming experience. The evaluation of UK online casinos is thorough, focusing on bonuses and promotions, game variety, payment options, mobile experience, security and safety, and features and design. This meticulous process ensures that players are directed to the best online casinos UK, where they can enjoy a secure and rewarding gaming experience. The online casino landscape in the UK for 2026 is dynamic and diverse, offering players a wide range of options to suit their preferences. From the best casinos for slots like Mr Vegas to the leading live dealer games at BetMGM, players are spoiled for choice with top-notch gaming experiences. Neptune Casino emerges as the top new entrant, while Virgin Games offers the best mobile app for gaming on the go.

The ease of use and variety of games make it a popular choice among players seeking an immersive gaming experience. The popularity of UK online casinos has surged in the last decade, driven by increased mobile phone usage and the convenience they offer. As more players join the online gaming community, having a reliable source like Casino.com becomes invaluable in navigating the myriad of options available.

BetMGM stands out in live dealer games by providing a diverse selection of exclusive titles and the impressive MGM Millions progressive jackpot, which can surpass £20 million. This combination fosters a genuine casino experience with real-time interaction among players and dealers. Responsive and knowledgeable customer service teams enhance player satisfaction and trust in the online UK casino. Whether you’re facing technical issues, have questions about promotions, or need assistance with account management, the best UK online casinos ensure that help is always just a click away. Online slots continue to dominate the gaming scene as the most favored choice among UK players. With high-quality graphics and interactive bonus rounds, these games offer an engaging and visually appealing experience.

In late 2022, we re-examined this analysis and published an updated report in early 2023. You can find the full technical reports on the gambling-related harms evidence review main page. Schedule enjoyable recreational time for yourself that has nothing to do with gambling. If you’re gambling on your smartphone, find other ways to fill the quiet moments during your day. Depression, stress, substance abuse, or anxiety can both trigger gambling problems and be made worse by compulsive gambling. If you have bipolar disorder, manic phases might lead you to risky behavior, such as making big bets.

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• This regulatory framework ensures that players can enjoy a secure online casino experience.
• Its heyday was in the Industrial Revolution era and came through horse race betting and small-time games played in local pubs.
• You might have been financially impacted too and feel anxious about how to manage.
• The rate will be subject to further consultation, which will take into account factors such as business size, operating costs and problem gambling rates.
• Answer 7 quick questions to get an insight into how gambling might be affecting you or someone you care about, and get tailored advice and support should you need it.
• We will write to a random sample of people, inviting them to take part in the survey.
• A high quality quantitative study showed that people with gambling disorder have an increased risk of dying from any cause, in a given time period, relative to the general population.
• Exploring trends and innovations in the online casino UK industry reveals what makes each platform unique.
• The North West (4.4%) and North East (4.9%) had the highest prevalence of people gambling at levels of elevated risk, while the South West (3.0%) had the lowest prevalence.
• Reporting child abuse, NSPCC – If you are concerned that a child is experiencing abuse or neglect, the NSPCC can provide you with advice.
• Four percent of participants in this study reported gambling more during lockdown, but 20% of those were identified as experiencing problem gambling.
• Strict regulation and enforcement are also required to ensure compliance with existing laws.
• The measure will help prevent runaway and life-changing losses and level the playing field between the online and land-based sectors.
• Non-commercial stakeholders thought that harms are caused directly by gambling products and gambling environments.

Unique game mechanics, such as Megaways, have increased the number of ways to win in slot games, attracting players looking for innovative gameplay. Slingo, which combines elements of slots and bingo, has also gained immense popularity among players seeking a hybrid gaming experience. From classic slots to innovative new titles, Mr Vegas provides a comprehensive and thrilling online casino experience for slot enthusiasts. Whether you’re a casual player or a high roller, the extensive game selection and rewarding features at Mr Vegas make it the best online casino for slots in 2026. These aspects ensure that players have top online casino in UK experience, from seamless navigation to quick and hassle-free withdrawals.

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No one under the age of 18 is allowed to place a bet with a licenced operator. Betting – Betting in the UK comes in the forms of fixed odds betting, pool betting, acting as a betting intermediary and spread betting. Each sector can be broken down into terms of what each represents, the brick-and-mortar options therein, legal gambling ages, etc. Generally, the minimum gambling age in England is 18, however, the minimum age to purchase a National Lottery ticket is sixteen. To enter and gamble at a casino or horse racetrack participants must be at least eighteen. It is also possible for smaller lotteries to be held without a licence, but these still require registration with the local authority in place.

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There are inequalities in the extent to which sub-groups of the population are affected by gambling. People at the greatest risk of harm are more likely to be unemployed and living in more deprived areas, have poor health, low life satisfaction and wellbeing, and have an indication of probable psychological health problems. A 2020 YouGov treatment and support survey reported that 13% of the population were experiencing some level of gambling harm, compared to 4% from HSE (combining surveys for England, Scotland and Wales). We expect that the HSE is likely to be closer to the true estimate of prevalence, but with the reliance on survey data, it may be an underestimation. Non-commercial stakeholders took a broader view that harms can be experienced by any gamblers and can also be experienced indirectly by families and society. Commercial stakeholders believe that harms are experienced by a minority of gamblers only.

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Many people who want to control their gambling later decide to stop completely when they start to seek support. As with all mental health problems, there is not one clear cause of gambling disorder. There are biological, genetic, environmental, and psychological reasons why someone might develop a gambling disorder. Many people who gamble experience negative consequences from it, and find it difficult to keep their gambling under control. Gambling disorder is also sometimes called gambling addiction, problem gambling and compulsive gambling. Through data collection, the Commission will also explore the exact financial thresholds the assessments would be conducted at.

Many online casinos UK offer bonuses that match the player’s first deposit, increasing their playing funds. For example, as of January 2026, the maximum welcome bonus at UK casinos online is a deposit matched games bonus of 100% up to £100. Dazzle Casino, which launched in 2023, is noted for its user-friendly navigation and a solid selection of live dealer games.

College Centre for Quality Improvement (CCQI)

Mobile casino apps provide superior performance and an extensive selection of games, guaranteeing a more enjoyable and smoother gaming experience. Employing strategies like basic strategy charts can help players make statistically sound decisions based on their hand against the dealer’s upcard. The house edge in blackjack can vary but is often lower than in other casino games, and players can use strategies to further reduce it. Playing online slots can start from a minimum stake of just a few pence, making them accessible to all players. The potential to win significant prizes, sometimes reaching hundreds of thousands of pounds, adds to their appeal. The total gross gambling yield from online casino games in the UK was nearly £4 billion from 2021 to 2022, highlighting the significant interest in these games.

Data and downloads

If you’re preoccupied with gambling, spending more and more time and money on it, chasing losses, or gambling despite serious consequences in your life, you have a gambling problem. If you sign up for therapy after clicking through from this site, HelpGuide will earn a commission. This helps us continue our nonprofit mission and continue to be there as a free mental health resource for everyone.

• The proportion reporting any gambling in the last 12 months was 36% in 2019, down slightly from 39% in 2018.
• The Responsible Gambling Council (RGC) is a non-profit organization dedicated to promoting safer gambling by influencing positive change and advancing responsible gambling standards in Canada and around the world.
• UK online casinos cater to fans of classic games and those seeking new, exciting UK casino online games options.
• Gambling problems affect people of all levels of intelligence and all backgrounds.
• At the time of conducting our review, Grosvenor were running daily poker offers, which could be completed by playing in one of their many live poker rooms.
• The data being released today is the latest edition of the Gambling Commission’s Gambling Survey for Great Britain (GSGB) conducted by the National Centre for Social Research.
• Mobile gaming provides the convenience of playing on the go and quick access to games while traveling.
• Online slots continue to dominate the gaming scene as the most favored choice among UK players.
• Gambling addiction—also known as pathological gambling, compulsive gambling or gambling disorder—is an impulse-control disorder.
• Apply to the Gambling Commission for a personal gambling licence or a gambling operating licence if you run or manage a gambling business.
• This variety ensures that players can find games that match their preferences and keep their gaming experience fresh and exciting.
• Online slots generally offer better RTP percentages compared to physical slot machines, thanks to lower operational costs.
• The maximum deposit amount at Spinzwin Casino for pay by phone is £40, making it suitable for budget-conscious players.

The harder it is for you to engage in the behavior, the more time you’ll have to recognize and defuse a craving. Plan to rely on close personal connections, peers who understand what you’re going through, and professionals who can offer guidance. You may gamble until you’ve spent your last dollar, and then move on to money you don’t have—money to pay bills, credit cards, or things for your children. Blaming others is one way to avoid taking responsibility for their actions, including what is needed to overcome the problem. Gambling problems affect people of all levels of intelligence and all backgrounds. Previously responsible and strong-willed people are just as likely to develop a gambling problem as anyone else.

What we’re doing to ensure the gambling industry promotes safer gambling

The research created eight typologies which reflect the attitude and motivations towards a certain gambling occasion. The typologies apply to gambling occasions, not people and therefore one person could fall into different typologies in different situations. Its proceeds will be ring-fenced for funding for research, education and treatment, including through the NHS. Today’s White Paper and proposals follow a call for evidence and are based on nearly 16,000 written submissions sent to the Department for Culture, Media and Sport (DCMS) during the process.

• Setting budgets and tracking spending are key practices in responsible UK gambling.
• Choosing a UK online casino involves considering several factors, including licensing, game variety, bonuses, payment methods, and customer support.
• Revolut is also gaining popularity for its fast transactions and multi-currency support.
• Promotions for slots often feature free spins and bonus bets as incentives for active players, allowing them to maximize their free spins winnings.
• The data presented from the GSGB is not directly comparable to previous gambling survey publications due to changes in the methodology.
• There are now hundreds of gambling companies that provide casino-style games and betting apps which can be downloaded onto devices such as smartphones, tablets or laptops.
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• Social stressors such as poverty, discrimination or other disadvantage also increase risks.
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• This means when we exclude those who only took part in a lottery draw in the past 4 weeks from the overall gambling participation rate, gambling participation falls to 27 percent.
• The Act also mandated that operators must pay 15% of their profits obtained from UK customers back as part of their licensing agreement.
• These casinos online are evaluated based on the types, quality, and quantity of high-paying games offered.

This is based on the direct costs to government of treating depression, alcohol dependence and illicit drug use, the quality of life impact of depression, as well as the wider societal costs of deaths by suicide. The financial difficulties and debt experienced by gamblers and affected others were often severe. Several studies reported that gambling led to bankruptcy and housing problems including homelessness. In 2018, 24.5 million people in England gambled (54% of the adult population, or 40% when you exclude the National Lottery).

The regulatory body was established in 2005 following the passing of the Gambling Act. The UKGC’s purpose is to regulate all commercial gambling enterprises in the UK in conjunction with the proper licensing authorities. The most severe impacts of problem gambling were felt most by immediate family members. Almost half (48%) of people who were affected by a spouse or partner’s gambling reported a severe negative impact. This was followed by people affected by the gambling of a parent (41%) and the gambling of a child (38%).

Until relatively recently, research on gambling has focused on people who experience severe problems, and there are clear gaps in the evidence base for the harms experienced by affected others and wider society. For instance, there are no questions about being affected by another person’s gambling in the HSE. In the act, gambling is defined as playing a game of chance for a prize, betting and participating in a lottery. Millions of readers rely on HelpGuide.org for free, evidence-based resources to understand and navigate mental health challenges.

The UK hosts some of the world’s best online casinos, offering diverse games, generous bonuses, and exceptional user experiences. Southern Gambling Service – The Southern Gambling Service offers high quality assessment and evidence-based treatments for people with gambling-related harms or gambling disorder. The service is open to people aged 17 and older who live in or are registered with a GP in the South East of England. Our rapid review on the impact of the initial COVID-19 restrictions included 19 quantitative studies, but only 3 of these examined the impacts of COVID-19 on gambling over time.

Responding effectively requires intergovernmental cooperation to share data, protect consumers from unregulated practices and allow governments to capture lawful taxation revenue. Without effective protections, gambling may undermine progress toward the achievement of the Sustainable Development Goals (SDGs), particularly 3, 10 and 16. Gambling industry groups typically strongly oppose high-impact regulations and other measures that affect their commercial interests.

• The in person gambling participation rate (in the past 4 weeks) was 27 percent, which falls to 18 percent when lottery draw only players are removed.
• To answer question 1, we conducted a quantitative analysis to examine the prevalence of gambling and related harms in England using data from the annual Health Survey for England (HSE) and a number of other gambling data sources.
• The service is open to people aged 17 and older who live in or are registered with a GP in the South East of England.
• These platforms offer innovative features, competitive bonuses, and a fresh approach to online gambling UK.
• By understanding players in more detail, we can understand which interventions are preferred by which types of players.
• The evaluation of UK online casinos is thorough, focusing on bonuses and promotions, game variety, payment options, mobile experience, security and safety, and features and design.
• Two quantitative studies (of moderate and high quality) reported that deaths from suicide were significantly higher among adults with gambling disorder or problems compared to the general adult population.
• Offences cover the unlicensed offer of gambling, the unlicensed use of premises for gambling, the promotion or facilitation of a lottery and so on.
• You can block access to gambling websites by downloading blocking software to your device.
• The Schedules you have selected contains over 200 provisions and might take some time to download.
• We publish information to help people understand more about mental health and mental illness, and the kind of care they are entitled to.
• Explore the warning signs and symptoms of compulsive gambling and learn how to stop.
• It takes tremendous strength and courage to own up to this, especially if you have lost a lot of money and strained or broken relationships along the way.
• WHO recognizes that some jurisdictions have developed effective gambling regulatory systems.
• So, if there are no interventions to improve this situation, harmful gambling is likely to make existing health inequalities worse.

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Casinos with licenses from respected authorities like the UK Gambling Commission (UKGC) are required to adhere to strict regulations and player protection measures. This ensures that players can trust the casinos to operate fairly and legally. Casino.com has become a trusted resource for comprehensive online casino information. This platform offers in-depth evaluations and comparisons of online casinos UK, helping users make informed choices when selecting where to play. The site provides a range of resources, including gaming guides and updated reviews, aimed at enhancing the user experience.

• Delete any auto-fill information (such as your credit card number) from your browser, so it’s harder to make impulsive financial decisions.
• These casinos online are celebrated for their extensive game selections, generous bonuses, and robust security measures, ensuring players have an enjoyable and safe gaming experience.
• The competition among online casinos has led to a plethora of options for players, from classic casino games to innovative new formats.
• While bingo is considered more of a game of leisure and chance, it is still popular amongst online gamblers.
• This ensures that players can enjoy a seamless and enjoyable gaming experience, regardless of the device they use.
• Alternatively, there are exceptions in the legislation for low-level or private gambling.
• SkyBet was fined £1 million for failing to maintain their self-exclusion policy.
• However, you can encourage them to seek help, support them in their efforts, and protect yourself.
• We relied on Twitter and stakeholder consultations to build an understanding of stakeholder perspectives.
• You may also experience some issues with your browser, such as an alert box that a script is taking a long time to run.
• This fundamental principle underscores the need for responsible gambling practices.
• Recent regulatory changes focus on improving consumer protection and promoting responsible sports gambling practices.
• Think about how you’ll feel after all your money is gone and you’ve disappointed yourself and your family again.Y ou can also revisit your list of motivations that you made in tip one.
• The review is a once-in-a-generation opportunity to deliver positive change for gambling in Great Britain and for all people impacted by it.
• If you’re a compulsive gambler, you can’t control the impulse to gamble, even when it has negative consequences for you or your loved ones.

In 2026, the uk online casino site landscape is dominated by top-rated sites like Spin Casino, Red Casino, and Hyper Casino. These casinos online not only offer a broad array of games but also provide substantial welcome bonuses and promotions to attract new players on a UK casino site. The variety of games available is one of the main attractions of online casinos. Among the most popular are classic table games and slot games, which appeal to a wide range of players.

The British regime is not particularly restrictive in this regard and persons chiken road located in Great Britain are generally free to gamble as they please. For example, so-called “Novelty Bets” are permitted on non-sporting events and, as mentioned above, betting on lotteries (apart from the British National Lottery) is also permitted. There are extensive marketing and consumer protection restrictions, as touched on above.

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The Gambling Survey for Great Britain will provide a robust source of evidence for decision making, and from 2024 will be the new source of official statistics on gambling behaviours in Great Britain. It is anticipated that the Voluntary Code, which aims to improve transparency, accountability and consumer protection, will be published by the end of 2025. Operators are expected to have in place measures to detect self-excluded persons who might wish to re-register using different details. Multi-operator self-exclusion schemes are in place to allow consumers to self-exclude from multiple gambling premises in Great Britain. Similarly, a centrally co-ordinated self-exclusion database (“GAMSTOP”) also allows customers to self-exclude from remote gambling offered by operators licensed by the Gambling Commission.

The British regulator continues its series of enforcement actions against its licensees, as described above, including follow-ups from previous enforcement actions. The usual pattern of regulatory enforcement is for the regulator to instigate a review of the operating licence in question, with the consequences described above. To date, the typical outcome has been the imposition of a financial penalty or a substantial financial settlement that the operator has negotiated with the regulator in lieu of a formal statutory penalty. The regulator also makes use of the system of personal management licences to act against individuals and there have been licence suspensions in cases where the regulator considered the operator to be substantially non-compliant. As in many jurisdictions, the main monopoly incumbent is the National Lottery, which has a monopoly on commercial lottery activity. On 1 February 2024, the Gambling Commission granted Allwyn Entertainment Ltd a 10-year licence to operate the National Lottery, replacing the previous licensee Camelot.

Gambling Act 2005

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