Another favourite European form is that of lottery loans. A somewhat lower rate of interest on the loan is offered than would otherwise be accepted, and the balance of the amount is divided among the holders of the securities on the lottery plan. Inasmuch as this is intended to appeal to the general love of gambling, the bonds are for small amounts, and are sold to the people. The plans for determining the disposition of the winnings of the lottery are varied. A combination of the annuity loan with the lottery loan is made when the State agrees to pay a certain proportion of the debt each year, the determination of which portion of the debt, or of which particular bonds, will be paid being made by drawings.