Please keep in mind that the object of state lottery is to raise money for the state and that a good chink of the bets will go for that purpose thus expect a lower return than in a casino where competition and in some places gaming regulations require a higher return. That being said, please keep in mind that you must look at all pays on a ticket to evaluate the return. Some pay more for intermediate hits and less for a SOLID hit. Keep in mind that frequency of a hit is just as important as amount. On the mentioned 5 spot you get about 141 hits of 3 out of 5 for every 5 of 5 and about 19 four out of five hits for every SOLID 5. Multiply the frequency of each hit per cycle (a cycle is the average number of plays to hit a ticket SOLID) by the pays, total all of them (the amount returned for the 3,4,and5s) then divide that total by 1551 (the odds of a SOLID 5 hit expressed as 1550 to 1) t0 get the return. Hope this helps