Sports Betting System

This article will look at how you can profit from handicap racing, plus I will cover the differences between handicap racing and conditions racing, as not everyone will know the difference.

In fact the writing of this article came about from a request from one of my members, and so I thought that maybe you would also benefit from looking at how handicap racing differs from conditional racing, and how not knowing the difference could potentially cost you money.

Confusion Can Lead To Disaster So Don’t Make These Mistakes

As you may know, I am a real advocate of information being power when it comes to betting on horse racing. So with that said, if you want to drastically improve your chances of taking money from the bookmakers with your racing tips, you need to arm yourself with as much quality and relevant information as possible.

And this is where some novice punters fall at the first fence (pardon the pun), because before you place any cash on a horse you need to make sure that you know what kind of race you are betting on. That is to say, is it a handicap race or a conditions race?

And if you’ve been to watch live racing before, then you’ll know what its like. If you haven’t by the way, you really should its a great day out, and this will explain what you can expect when you go for the first time.

You’re looking at the different races and who’s riding on what. You get to the parade ring and there are already whispers going around about this horse and that horse. It’s easy to be influenced by what you hear. And everyone thinks they’re an expert when it comes to horse racing tips don’t they?

And so with all the jargon and gossip that you hear at the racecourse, is it any wonder that punters end up getting thoroughly confused, and betting on a horse simply because they like the name, the way it walks, the colour of the jockey’s silks or because they overheard someone in the pub mention that it had a chance?

I’ve seen it many, many times, but the truth is it doesn’t have to be like that it really doesn’t.

Your Horse Racing Tips Are Useless If You Don’t Know This

So the key is having a bit of background knowledge, even just the basics, which will enable you to get started. This will ensure that you are a bit more savvy than the average punter, and therefore you will have a little advantage that will hopefully give you that edge over the bookmakers.

So having given you that bold statement, what are the most important factors to consider when betting on horses? Of course, there are many, many variables that affect the outcome of a horse race, and there’s no way that I could cover all of them in this article, but let’s start with one of the fundamentals of horse racing. Handicapping.

This could be perhaps the biggest error that punters make, as they have no idea what kind of race they are betting on. In the UK, all races come under one of two categories. The first category is a handicap race, and the second one is called a conditions race.

The reason that distinguishing between these two different classes of race is important, is because the bookies pay different amounts on each-way bets gained in the two different types of race.

So for example, in a handicap race of less than 16 runners, you are paid one-quarter the odds on the first three finishers for an each way bet. You are also paid for the first four places in a handicap with 16 or more runners, so this in itself is worth knowing.

In conditions races however, you are only ever paid one-fifth the odds for finishing in the first three places, so can you see where I am coming from now? It’s crucial to be able to tell what type of race you are betting on.

Handicapping Explained

Essentially the handicap that I’m referring to, is additional weight that is allocated to a horse based upon its ability. The better the horse, then in theory the greater the weight that is carries compared to its fellow horses. This is done so that each horse potentially has an equal chance of winning the race.

The British Horseracing Board meets each week to look at each qualifying horses form and to assess its rating. Not every horse in the UK qualifies for a handicap. At the time of writing this, a flat horse for example must have either won a race, or participated in three races, to enable the handicapper the opportunity to look at the horse’s form.

To the layman, the details of the ratings system may be a bit confusing, but essentially it boils down to the higher the rating, the better the horse. Of course, the reason that we don’t just go and lump our money on the best rated horse is that it will be carrying the most weight, so from our point of view as punters, the key is to loom at the weight as just one factor of a horse’s potential in winning a race.

It doesn’t need to be any more complicated than this to being with. You now have some background knowledge of the differences between handicap races and conditions races and I hope this will stand you good stead when looking at the list of races in the paper tomorrow.

Cliff Thurston
http://www.articlesbase.com/sports-and-fitness-articles/racing-tips-to-use-with-handicap-horse-racing-825013.html

If it is illegal and you get caught,how much trouble can you get in?

Here is your info you need to know.

http://law.findlaw.com/state-laws/gambling/maine/

Today, in America, betting is a multi billion annual industry, providing large tax revenues to the United States Government. This is probably the main reason why many forms of betting have been authorized in 48 out of 50 states. Horse betting is a legal activity, catching the attention of many people of different professions, financial status or ethnic background, all fascinated by the money, adventure and excitement offered by horse racing.

Many people practice horse betting as a sport, thus being a form of recreation for them after long oppressive hours spent in an office, deprived of the freedom that can be granted through horse racing. Wagers are placed for fun, but the prize money, in case there is a winner, is never enough, making the bettor feel confident and in good spirits. Although done only for fun, horse betting should follow some basic rules that any bettor has to be aware of in order to enjoy horse racing. Statistics show that half of the adult American population enjoys horse betting quite frequently, but it’s entirely up to them to apply these basic rules or simply trust their luck.

Never bet more than you can afford! A simple rule, easier said than done though. Many of the horse race bettors fall for this trap: at one point, either winning or losing, they are tempted to bet amounts they cannot afford. Don’t do that yourself! The only way you can enjoy the experience of betting on your favorite horse, either at the horse racing track or online, is to know from the very beginning exactly how much you can afford to lose. Betting a larger amount of money, especially when you are loosing, it’s a sure routine towards having your trust and self-esteem pressed flat by the iron of deception.

Don’t try to be a wise guy! Often, in the betting fever, you might get persuaded to “rely” on your friends’ recommendations, on how much, or what to bet on. Most of the time you’ll end up disappointed. It’s better to trust your instincts and make a smaller profit than to earn nothing or even lose. Learn the mechanisms of horse betting, find out how difficult it is to choose a potential winner in the horse racing world. Last, but not least, learn to enjoy the moment when you are rewarded for your wise bet. In order not to fail, you have to do some research on the horses’ previous performances, age, breeding, characteristics, jockeys and, why not, weather conditions. You can do this by visiting websites such as horse-info.net. Horse betting agencies take into account all these aspects when deciding the stakes. It is equally important to know all the imponderables of horse racing and predict how they might affect your chances of winning.

The pedigree of the main competitors in horse racing is a relevant piece of information, especially in the case of popular prestigious horse races such as Kentucky Derby. You can read books or access dedicated websites, such as horse-info.net, offering plenty of news, details or tips on horse racing. In horse betting, an important clue to consider is the number of races each horse runs per day. Sometimes, horses run in several races during the same day and they get tired. This might slow them down if not even make them lose the race. Another good advice is that the horse racing track is not the place to be misogynistic. Don’t underestimate female jockeys, as lately they’ve done wonders.

Amelie Mag
http://www.articlesbase.com/sports-and-fitness-articles/horse-racing-a-form-of-recreation-84319.html

Today, in America, betting is a multi billion annual industry, providing large tax revenues to the United States Government. This is probably the main reason why many forms of betting have been authorized in 48 out of 50 states. Horse betting is a legal activity, catching the attention of many people of different professions, financial status or ethnic background, all fascinated by the money, adventure and excitement offered by horse racing.

Many people practice horse betting as a sport, thus being a form of recreation for them after long oppressive hours spent in an office, deprived of the freedom that can be granted through horse racing. Wagers are placed for fun, but the prize money, in case there is a winner, is never enough, making the bettor feel confident and in good spirits. Although done only for fun, horse betting should follow some basic rules that any bettor has to be aware of in order to enjoy horse racing. Statistics show that half of the adult American population enjoys horse betting quite frequently, but it’s entirely up to them to apply these basic rules or simply trust their luck.

Never bet more than you can afford! A simple rule, easier said than done though. Many of the horse race bettors fall for this trap: at one point, either winning or losing, they are tempted to bet amounts they cannot afford. Don’t do that yourself! The only way you can enjoy the experience of betting on your favorite horse, either at the horse racing track or online, is to know from the very beginning exactly how much you can afford to lose. Betting a larger amount of money, especially when you are loosing, it’s a sure routine towards having your trust and self-esteem pressed flat by the iron of deception.

Don’t try to be a wise guy! Often, in the betting fever, you might get persuaded to “rely” on your friends’ recommendations, on how much, or what to bet on. Most of the time you’ll end up disappointed. It’s better to trust your instincts and make a smaller profit than to earn nothing or even lose. Learn the mechanisms of horse betting, find out how difficult it is to choose a potential winner in the horse racing world. Last, but not least, learn to enjoy the moment when you are rewarded for your wise bet. In order not to fail, you have to do some research on the horses’ previous performances, age, breeding, characteristics, jockeys and, why not, weather conditions. You can do this by visiting websites such as horse-info.net. Horse betting agencies take into account all these aspects when deciding the stakes. It is equally important to know all the imponderables of horse racing and predict how they might affect your chances of winning.

The pedigree of the main competitors in horse racing is a relevant piece of information, especially in the case of popular prestigious horse races such as Kentucky Derby. You can read books or access dedicated websites, such as horse-info.net, offering plenty of news, details or tips on horse racing. In horse betting, an important clue to consider is the number of races each horse runs per day. Sometimes, horses run in several races during the same day and they get tired. This might slow them down if not even make them lose the race. Another good advice is that the horse racing track is not the place to be misogynistic. Don’t underestimate female jockeys, as lately they’ve done wonders.

Amelie Mag
http://www.articlesbase.com/sports-and-fitness-articles/horse-racing-a-form-of-recreation-84317.html

in basketball and football your going to put a good amount of money to make that kind of money!!!!
I am assuming it’s because the odds in horse racing are greater

That’s true. There is a 10 cent superfecta in horse racing ( not all tracks offer it ) The superfecta is when you pick the exact order of the first 4 finishers. A few years ago at Keeneland a $1 superfecta paid over $300,000.00. The 10 cent super paid 1/10th of that for a little over 30,000.00. I play them all the time. I usually will have anywhere from 2 to 5 dollars worth of combinations on a race ( that’s 20 -50 10 cent bets ) The highest I’ve hit so far was $484.00. Sometimes I’ll play a bunch of longshot combos, it’s not that much of a risk if you lose.

Web sites such as Betfair and Betdaq now enable us to lay bets against horses, as well as backing them to win in the conventional way. The betting exchanges have totally revolutionised the betting industry.

The pioneer in exchange betting is Betfair and today it operates the most popular betting exchange website.

Essentially, Betfair brings together individual punters with opposing views, and cuts out the traditional bookmaker. All bets on Betfair have been placed there by users who either want to have a bet in the normal way (backing), or offer odds to other punters (laying).

Bets are matched between people with opposing views.

When you “back” a selection (be it an individual, a team, horse, dog or other), you are betting that it will win. This is just like betting with conventional bookies.

When you “lay” it, you are betting against it winning. For example, if you’re betting in a market on which team is going to win the Premiership and you lay Man Utd, you offer odds to other punters who wish to back Man Utd. If Man Utd do not win, then you pick up the backer’s stake. If Manchester United wins the game, then you must pay out. This is what bookmakers traditionally do.

Listed below are ten compelling reasons to join the revolution and bet on the exchanges:

Better odds: when you place a bet on a betting exchange you do away with the bookmaker, who has traditionally acted as the middle man. As with any other middle man the bookmaker takes his cut. He will always attempt to construct his book and manipulate prices downwards such that whatever the outcome he will make a profit. By taking the bookie out of the equation you can generally get odds on Betfair 20% higher, which means more profit.

Lay as well as back: in the past you would only win your bet if your selected horse won its race. Betfair also allows you to act as bookmaker and lay a bet that a horse will NOT win the race. If your selection doesnt win, then you collect!

Trading for guaranteed profits: on the betting exchanges you can take advantage of movements in the price of a horse to secure guaranteed profits  much like trading the financial markets. Profit whatever the outcome of a race? Impossible you might think&. I will give you an example to demonstrate:

Lets imagine you have a horse priced at 3/1 in a race. You think the price of this horse will shorten because it is well fancied. You back the horse to win with a wager of &pound100.

The price of the horse falls to 2/1 just before the race starts as lots of punters also back the horse. You then lay the horse for £134.

Now, lets examine how you will make a profit. There are only two outcomes for your horse  it will either win the race, or it will not win the race.

If it wins, you will win £300 (£100 @ 3/1). However, you will have to pay out on your lay bet  you will pay out £268 (£134 @ 2/1). Your profit is £300 less £268 equals £32

If your horse loses, you will win your lay bet and collect £134. However, you will lose your £100 win stake, and be left with £34 profit.

And so, by laying a horse at a low price, having already backed it at a higher price, you can ensure you will walk away with a profit, before the stalls have even opened!

This process can also be done in reverse, in other words you can lay a bet on a horse to lose, then when its price drifts you can back it to lock in the profit.

Name your price: before the appearance of betting exchanges, when placing a bet on a horse you would have to take the price offered by the bookmaker. If the odds offered on a horse were 2/1 and you said you wanted 3/1 you would be laughed out of the shop. Not so with Betfair. If you want to back the horse at 3/1 then you can post this request on the web site, and if someone else wants to lay that bet then your bet will be matched.

Bet in running: Betfair allows you to continue betting on an event, even after it has started. This capability brings with it a whole new betting experience, but its not for the faint hearted. As you might expect, the betting market for a horse race can change dramatically and extremely quickly, as horses jostle for position in a 5 furlong sprint which is over in less than a minute! Pitting your judgment and opinions against other punters as the race unfolds is very exciting, but equally risky. However, it is an experience that the traditional bookmaker simply cannot hope to match.

Never have your account closed: we have all seen the photocopied letters from bookmakers giving notice of closed accounts. The truth is, when you consistently make a profit from betting, then your business becomes a liability for a bookmaker. He is only happy to take your bets if over time he is taking more money from you, than he is giving back. When it happens the other way around, which is what all punters are striving for, then the bookmaker will invariably pull the proverbial rug from underneath you. By contrast, Betfair will never close your account. They charge a commission based upon your winnings, so in fact as long as you are winning, then they are making money too.

Unlimited stakes: I can remember plenty of times when I have received word about a horse and visited my local bookmaker to place a bet. When I asked to have £500 on the nag at 12/1 the assistant serving me would scamper into the office to ask the manager, then come back to say I was allowed only &pound20 @ 12/1 but the rest would have to be at the Starting Price (which as we all know is controlled by the bookmakers). This does not happen on the exchanges. If you post a request to back your horse for £500 at 12/1 and someone else is willing to lay the bet at that price (or it could be a number of people whose total stake matches yours) then you will strike your bet.

All of your betting bank in one place: most of us have at some point opened accounts with more than one bookmaker. We do this so that we can take advantage of whoever is offering the best price on a particular horse. However, by spreading our betting bank across a number of accounts, we are diluting our money  we may want to back a horse for £100 but find we only have £50 placed with the bookmaker offering the best price. Sure, we can move funds between accounts, but it all amounts to an inconvenience. Having all your funds with one betting exchange means you can have all your funds available to bet, and all your money can be made to work for you.

Wide range of sports: betting on the exchanges is not restricted to horse racing. Just as with the bookmakers, you can bet on a variety of sports, and quite a few other markets besides. Take a look on Betfair today and you may well be able to wager on sports such as Australian Rules football, pelota(?) and ice hockey. But you can also bet on the financial markets, politics, and even the contestants in game shows such as Big Brother.

Place your bets 24 hours a day: how many occasions have you been reading the Sporting Life at 8:00am at the breakfast table, and read about the Pricewise bet of the day? You obviously cannot bet at the local bookmakers because their shop doesnt open til 10 oclock. But you think, hey, Ill place a bet on-line  you go to their web site and they havent priced the race up yet! With Betfair you can bet when you want. You can take advantage of early prices before everyone else starts betting on the same horse and the price collapses. You can post all your bets before you go to work, taking the odds available, or naming your price.

Max Redd
http://www.articlesbase.com/hobbies-articles/ten-compelling-reasons-to-open-a-betting-exchange-account-241646.html

Web sites such as Betfair and Betdaq now enable us to lay bets against horses, as well as backing them to win in the conventional way. The betting exchanges have totally revolutionised the betting industry.

The pioneer in exchange betting is Betfair and today it operates the most popular betting exchange website.

Essentially, Betfair brings together individual punters with opposing views, and cuts out the traditional bookmaker. All bets on Betfair have been placed there by users who either want to have a bet in the normal way (backing), or offer odds to other punters (laying).

Bets are matched between people with opposing views.

When you “back” a selection (be it an individual, a team, horse, dog or other), you are betting that it will win. This is just like betting with conventional bookies.

When you “lay” it, you are betting against it winning. For example, if you’re betting in a market on which team is going to win the Premiership and you lay Man Utd, you offer odds to other punters who wish to back Man Utd. If Man Utd do not win, then you pick up the backer’s stake. If Manchester United wins the game, then you must pay out. This is what bookmakers traditionally do.

Listed below are ten compelling reasons to join the revolution and bet on the exchanges:

Better odds: when you place a bet on a betting exchange you do away with the bookmaker, who has traditionally acted as the middle man. As with any other middle man the bookmaker takes his cut. He will always attempt to construct his book and manipulate prices downwards such that whatever the outcome he will make a profit. By taking the bookie out of the equation you can generally get odds on Betfair 20% higher, which means more profit.

Lay as well as back: in the past you would only win your bet if your selected horse won its race. Betfair also allows you to act as bookmaker and lay a bet that a horse will NOT win the race. If your selection doesnt win, then you collect!

Trading for guaranteed profits: on the betting exchanges you can take advantage of movements in the price of a horse to secure guaranteed profits  much like trading the financial markets. Profit whatever the outcome of a race? Impossible you might think&. I will give you an example to demonstrate:

Lets imagine you have a horse priced at 3/1 in a race. You think the price of this horse will shorten because it is well fancied. You back the horse to win with a wager of &pound100.

The price of the horse falls to 2/1 just before the race starts as lots of punters also back the horse. You then lay the horse for £134.

Now, lets examine how you will make a profit. There are only two outcomes for your horse  it will either win the race, or it will not win the race.

If it wins, you will win £300 (£100 @ 3/1). However, you will have to pay out on your lay bet  you will pay out £268 (£134 @ 2/1). Your profit is £300 less £268 equals £32

If your horse loses, you will win your lay bet and collect £134. However, you will lose your £100 win stake, and be left with £34 profit.

And so, by laying a horse at a low price, having already backed it at a higher price, you can ensure you will walk away with a profit, before the stalls have even opened!

This process can also be done in reverse, in other words you can lay a bet on a horse to lose, then when its price drifts you can back it to lock in the profit.

Name your price: before the appearance of betting exchanges, when placing a bet on a horse you would have to take the price offered by the bookmaker. If the odds offered on a horse were 2/1 and you said you wanted 3/1 you would be laughed out of the shop. Not so with Betfair. If you want to back the horse at 3/1 then you can post this request on the web site, and if someone else wants to lay that bet then your bet will be matched.

Bet in running: Betfair allows you to continue betting on an event, even after it has started. This capability brings with it a whole new betting experience, but its not for the faint hearted. As you might expect, the betting market for a horse race can change dramatically and extremely quickly, as horses jostle for position in a 5 furlong sprint which is over in less than a minute! Pitting your judgment and opinions against other punters as the race unfolds is very exciting, but equally risky. However, it is an experience that the traditional bookmaker simply cannot hope to match.

Never have your account closed: we have all seen the photocopied letters from bookmakers giving notice of closed accounts. The truth is, when you consistently make a profit from betting, then your business becomes a liability for a bookmaker. He is only happy to take your bets if over time he is taking more money from you, than he is giving back. When it happens the other way around, which is what all punters are striving for, then the bookmaker will invariably pull the proverbial rug from underneath you. By contrast, Betfair will never close your account. They charge a commission based upon your winnings, so in fact as long as you are winning, then they are making money too.

Unlimited stakes: I can remember plenty of times when I have received word about a horse and visited my local bookmaker to place a bet. When I asked to have £500 on the nag at 12/1 the assistant serving me would scamper into the office to ask the manager, then come back to say I was allowed only &pound20 @ 12/1 but the rest would have to be at the Starting Price (which as we all know is controlled by the bookmakers). This does not happen on the exchanges. If you post a request to back your horse for £500 at 12/1 and someone else is willing to lay the bet at that price (or it could be a number of people whose total stake matches yours) then you will strike your bet.

All of your betting bank in one place: most of us have at some point opened accounts with more than one bookmaker. We do this so that we can take advantage of whoever is offering the best price on a particular horse. However, by spreading our betting bank across a number of accounts, we are diluting our money  we may want to back a horse for £100 but find we only have £50 placed with the bookmaker offering the best price. Sure, we can move funds between accounts, but it all amounts to an inconvenience. Having all your funds with one betting exchange means you can have all your funds available to bet, and all your money can be made to work for you.

Wide range of sports: betting on the exchanges is not restricted to horse racing. Just as with the bookmakers, you can bet on a variety of sports, and quite a few other markets besides. Take a look on Betfair today and you may well be able to wager on sports such as Australian Rules football, pelota(?) and ice hockey. But you can also bet on the financial markets, politics, and even the contestants in game shows such as Big Brother.

Place your bets 24 hours a day: how many occasions have you been reading the Sporting Life at 8:00am at the breakfast table, and read about the Pricewise bet of the day? You obviously cannot bet at the local bookmakers because their shop doesnt open til 10 oclock. But you think, hey, Ill place a bet on-line  you go to their web site and they havent priced the race up yet! With Betfair you can bet when you want. You can take advantage of early prices before everyone else starts betting on the same horse and the price collapses. You can post all your bets before you go to work, taking the odds available, or naming your price.

Max Redd
http://www.articlesbase.com/hobbies-articles/ten-compelling-reasons-to-open-a-betting-exchange-account-241646.html

is there a good way of knowing which horse is better to suited to a certain type/ length of race? how do you determine which horse to bet on?

People have asked this question for years. If your a novice punter (gambler), the favourite usually wins about 1/3 of the time.

Willie Mullins is looking to the Cheltenham Festival for Quiscover Fontaine after a solid victory at Limerick.

While Quiscover Fontaine does not have the recognition as same as stablemates Cousin Vinny, Hurricane Fly, and Mikael D’Haguenet, he has been looking impressive and a Cheltenham Festival appearance with good results could be in his future.

Quiscover Fontaine, a winner in the Goffs Land Rover Bumper at the Punchestown Festival for his debut last year, stayed back of the pack in the early going before gradually making his way to the front at the last jump. He won by one and a quarter lengths, conceding 10lb in the process.

Owner Brendan Doyle said: “We were happy enough with that as he really needs two and a half miles. We’ve been keeping him to two miles on this ground as he’s only just turned five and we don’t want to bottom him out.

“From here on he’ll probably step up in trip and he’ll get an entry in the Ballymore Properties and the Albert Bartlett.

“He could go for the Michael Purcell Memorial at Thurles on February 26.

“He’s been showing more at home in the last month or so.”

You can check out all the latest Cheltenham Festival odds at BetUK.

When horse races are drawing near, fans are always rushing to place bets. To have a more enjoyable betting experience, perhaps you may wish to consider placing your bets online. There are several benefits when you do so. Usually, bookmakers are swarmed by lots of people when race day draws near.

If you try contacting the bookmakers, you may have to spend time queuing up and waiting for your turn to come. You may find it a hassle to be jostling among the people. When you place bets online at Betuk, you can avoid all that hassle altogether, and focus on picking winners.

Online Betting UK
http://www.articlesbase.com/horse-racing-articles/horse-racing-betting-cheltenham-festival-shaping-up-745449.html

Willie Mullins is looking to the Cheltenham Festival for Quiscover Fontaine after a solid victory at Limerick.

While Quiscover Fontaine does not have the recognition as same as stablemates Cousin Vinny, Hurricane Fly, and Mikael D’Haguenet, he has been looking impressive and a Cheltenham Festival appearance with good results could be in his future.

Quiscover Fontaine, a winner in the Goffs Land Rover Bumper at the Punchestown Festival for his debut last year, stayed back of the pack in the early going before gradually making his way to the front at the last jump. He won by one and a quarter lengths, conceding 10lb in the process.

Owner Brendan Doyle said: “We were happy enough with that as he really needs two and a half miles. We’ve been keeping him to two miles on this ground as he’s only just turned five and we don’t want to bottom him out.

“From here on he’ll probably step up in trip and he’ll get an entry in the Ballymore Properties and the Albert Bartlett.

“He could go for the Michael Purcell Memorial at Thurles on February 26.

“He’s been showing more at home in the last month or so.”

You can check out all the latest Cheltenham Festival odds at BetUK.

When horse races are drawing near, fans are always rushing to place bets. To have a more enjoyable betting experience, perhaps you may wish to consider placing your bets online. There are several benefits when you do so. Usually, bookmakers are swarmed by lots of people when race day draws near.

If you try contacting the bookmakers, you may have to spend time queuing up and waiting for your turn to come. You may find it a hassle to be jostling among the people. When you place bets online at Betuk, you can avoid all that hassle altogether, and focus on picking winners.

Online Betting UK
http://www.articlesbase.com/horse-racing-articles/horse-racing-betting-cheltenham-festival-shaping-up-745449.html