For instance, in roulette where there are 38 numbers to bet on (1-36 and 0 and 00), a winning bet on any single number will only return $36 for each $1 bet where the true odds are 38 to 1. So if someone bets $20 on number 23 and wins, the payoff will only be $720 (36 to 1 ) instead of $760 (38 to 1).