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# Lay Accumulator Staking Plan

The Lay Accumulator staking plan has two versions:

**a. Liability**

In this version:

a.1. The liability for the race is the sum of the following two elements:

**Base liability**: calculated as a fixed percent of the bank. The percent value can be applied to initial, current or highest bank.**Additional liability**: calculated as a fixed percent of the cumulative profit.

a.2. If a single selection qualifies for the race, the stake is calculated according to the following formula:

stake = liability / (selectionPrice – 1)

where:

**liability**= liability for the race.**selectionPrice**= selection decimal odds.**stake**= stake to place for qualified selection.

a.3. If multiple selections qualify for the race, the dutching algorithm is applied to calculate the individual stakes.

**b. Stake**

In this version:

b.1. The stake is the sum of the following two elements:

**Base stake**: calculated as a fixed percent of the bank. The percent value can be applied to initial, current or highest bank.**Additional stake**: calculated as a fixed percent of the cumulative profit.

b.2. When multiple selections qualify for the race there is an option to split the total stake equally among the qualified selections.

The Lay Accumulator staking plan is made of betting sequences. At the start of each betting sequence, the base liability or stake is calculated and the cumulative profit is set to 0. During the betting sequence, the base liability or stake remains unchanged and the additional liability or stake varies according to the cumulative profit. After a certain number of consecutive winning races or when a loss occurs, a new betting sequence starts.

## Settings

The following parameters can be configured in this staking plan:

**Base liability = X% of Y bank**: the percent of bank used for base liability calculation.**X**: the percent value.**Y**: the type of bank to which the percent value is applied:**initial**: the percent value is applied to initial bank.**current**: the percent value is applied to current bank.**highest**: the percent value is applied to highest bank.

**Percent of accumulated profit**: the percent of cumulative profit used for additional liability calculation.**Return to base liability after X wins**: the number of consecutive winning races after which a new betting sequence starts.**Use stake instead of liability**: if this option is not checked, the Liability version of the staking plan is used. If the option is checked, the Stake version of the staking plan is used.**Split total stake when multiple selections qualify**: this option splits the total stake equally among multiple selections in a race. If the option is not used the total stake is placed for each qualified selection. This setting is available only for the Stake version of the staking plan.

### Lay Accumulator Example

Let’s assume the following settings:

**Initial bank**: £200**Base liability = 2% of current bank****Percent of accumulated profit**: 2**Return to base liability after 3 wins****Use stake instead of liability**: not checked

**Step 1**

- cumulative profit is £0
- 1 selection qualifies at decimal odds of 5
- base liability is £4
- additional liability is £0
- total liability is £4
- total stake is £1
- bet wins and the profit is £1
- current bank is £201

**Step 2**

- cumulative profit is £1
- 1 selection qualifies at decimal odds of 3
- base liability is £4
- additional liability is £0.02
- total liability is £4.02
- total stake is £2.01
- bet losses and the loss is £4.02
- current bank is £196.98

**Step 3**

- cumulative profit is £0
- 1 selection qualifies at decimal odds of 4
- base liability is £3.94
- additional liability is £0
- total liability is £3.94
- total stake is £1.31
- bet wins and the profit is £1.31
- current bank is £198.29

**Step 4**

- cumulative profit is £1.31
- 1 selection qualifies at decimal odds of 5
- base liability is £3.94
- additional liability is £0.03
- total liability is £3.97
- total stake is £0.99
- bet wins and the profit is £0.99
- current bank is £199.28

**Step 5**

- cumulative profit is £2.3
- 1 selection qualifies at decimal odds of 6
- base liability is £3.94
- additional liability is £0.05
- total liability is £3.99
- total stake is £0.8
- bet wins and the profit is £0.8
- current bank is £200.08

**Step 6**

- cumulative profit is £0
- 1 selection qualifies at decimal odds of 4
- base liability is £4
- additional liability is £0
- total liability is £4
- total stake is £1.33
- bet losses and the loss is £3.99
- current bank is £196.09

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