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I am not a fan of the Betfair premium charge but a tote with 15% to 20% takeout is still a much worse deal than the Betfair premium charge. To qualify for the premium charge you need a big positive ROI in the first place then the premium charge is a tax on profits not turnover
Tote takeout is a tax on turnover which is far more onerous and will effectively eat up a much greater share of "winnings" than a tax on profits
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