$20 Deposit Casinos

Sending huge sums of money to an online casino only to play some games and win some real cash is not an option anymore. The choice of the best online casinos is huge, and gamblers can choose any site they want. Low deposit casinos exist to help invest less and still win a lot! Learn more about $20 deposit online casinos here.

Best $20 Minimum Deposit Casinos

Gamblers in Canada can try out new web casinos and get access to different games and perks on different conditions - including $20 deposits accepted. A C$20 deposit casino is a nice option for new players, beginner punters, and for those who prefer less financial risk. Learn your low dep options with CasinosHunter!

32 Top $20 Deposit Online Casinos in 2021

Sorted by
Canada $20
Clear All
Casino Type Casino Type
For Players From For Players From
Deposit Methods Deposit Methods
Cryptocurrency Cryptocurrency
Currencies Currencies
Minimum Deposit Minimum Deposit
Providers Providers
Types of Games Types of Games
Licensing Authority Licensing Authority
Website Language Website Language
Mobile Devices Mobile Devices
Mike Hunter
Hunted by Mike Hunter
Email:img
Responsible Gambling
Advertising Disclaimer

Why Play in $20 Deposit Casino Canada?

We understand that for many gamblers who are used to CA$1, CA$5, or CA$10 minimum deposits, CA$20 may not seem that small. However, the main point is that such a minimum deposit opens access to Live Dealer games and progressive jackpots - two features usually impossible at lower minimum deposit casinos. There are other advantages of CA$20 min dep sites, too. 

Advantages: 

  • easy to find casinos
  • many banking systems support such size of transactions
  • access to Live Dealer games and even jackpot games
  • smaller financial risk
  • fully available bonuses and promotions

$20 deposit casinos have so many benefits for real money online casino players that even the fact that there are sites with even lower minimum deposits accepted do not make $20 minimum deposit casinos less worth attention. Depositing $20 as minimum gives the customer full access to all the games, bonuses, entertainment, and perks at the majority of $20 deposit casino sites. 

There is another unobvious but advantageous consequence of the fact that there are so many 20 deposit online casinos. The point is, the more offers are in the niche, the higher the competition is for casinos. As a result, each 20 deposit casino tries to provide the best gambling conditions for its players.

Pros & Cons Of $20 Deposit Online Casinos

$20 is still a small and affordable deposit, and while losing it on an unlucky day would not be a pleasant event, it is not a big deal yet, and many $20 deposit online casino gamblers are ready for such little losses, hoping for a life changing win. At the same time, online casino $20 min deposit already gives access to the majority of bonuses, and usually to all games without exception. 

Being aware of the fact that $20 is an affordable investment that in turn can bring them impressive wins, many beginner level online casino gamblers fail to find out what other, less obvious perks, they can take advantage of if they have $20 on their balance.

This is why CasinosHunter offers the lists of Pros and Cons to ensure every gambler depositing $20 to a betting site knows exactly what they can expect, and what will not be available to them. 

Please check out the Pros and Cons and keep them in mind when opting for a real money 20 deposit online casino.

Pros Pros

  • such sites are easier to find 
  • higher competition means more attractive playing conditions 
  • deposit-based Welcome Bonuses are usually available 
  • Reload deposit-based bonuses are available 
  • No Deposit bonuses 
  • access to all casino games, no exception 
  • lower financial risks 
  • wagering requirements are realistic to meet 
  • many banking options are available

Cons Cons

  • high roller games are not allowed 
  • cryptocurrency games are unlikely to be available 
  • more casinos mean more chances to hit a scammy site

How to Choose A $20 Deposit Online Casino?

The size of the minimum deposit allowed is only one of the numerous aspects checked by experienced online casino reviewers like ourselves here at CasinosHunter. While this is an important aspect, it is not a decisive one when it comes to choosing a $20 minimum deposit casino that is high quality, safe, reliable, and well-paying. 

In fact, such things like minimum accepted deposit are decided upon by the 20 dollar minimum deposit online casino itself. However, such things as license, certifications, partners, reputation in the web, are regulated by other parties, too, and they cannot be changed (adapted, or concealed) by the 20 dollar minimum deposit casino site in a one-way fashion. And it is those things, not the size of a minimum possible deposit, that can become decisive, and can make it or break it for the user eventually. 

Finding and evaluating all those aspects about each 20 dollar deposit casino site takes knowledge, experience, time, and effort, and not all online casino gamblers want to invest those. This is why CasinosHunter offers reviews, to make gamblers’ choices easier.

$20 Deposit Casino Canada Reviews

CasinosHunter knows that online casino gamblers want to play games and win money, instead of exploring and researching every new site they stumble across. Reviews by CasinosHunter make choices faster and easier. Any punter can take advantage of: 

  • recommended casinos lists within different categories 
  • short reviews 
  • full-fledged casino reviews 

and use convenient filtering feature to find the sites with specific characteristics or benefits. 

Below, you will find several short reviews of 20 minimum deposit casinos. Please check them out to opt for the 20 dollar deposit online casino you like most of all, before you register an account and invest any real money for betting. Reviews will help you make a more informed choice.

Playluck Casino

Total Rating: 9.5/10
Casino reputation

Perfect - such reputation is assigned only to reliable, respectable casinos that have earned their honest name by providing legal info about license and ownership, by articulating comprehensive and fair gaming rules, by partnering with reliable payment processing companies, and by providing a decent number of entertaining and high quality games.

Perfect

CasinosHunter’s Rating:
9.5/10
User’s Rating:
9.5/10
2 users reviews
2 users are fully satisfied
Total Rating: 9.5/10
Casino Reputation: Perfect

Welcome Package

100% up to €800 + 100 FS
No Promo Code Bonus T&C
Start Hunting
Playluck Casino Review

PlayLuck $20 min deposit casino was opened in 2020 and it has all the good features and advantages of a modern betting site. The site accepts crypto and fiat currencies alike, and $20 deposits are allowed. The platform is very reputable - it holds the license by MGA, some third party seals of trust, and offers Responsible Gambling tools for the players. 

As for entertainment, this is what you can count on: 

  • decent choice of games 
  • Live Dealer games 
  • rich choice of bonuses 
  • 6 level Loyalty Program 

Please make sure you double-check all the Terms and Conditions before signing up, because these can change often at casinos.

Haz Casino

Total Rating: 9.5/10
Casino reputation

Perfect - such reputation is assigned only to reliable, respectable casinos that have earned their honest name by providing legal info about license and ownership, by articulating comprehensive and fair gaming rules, by partnering with reliable payment processing companies, and by providing a decent number of entertaining and high quality games.

Perfect

CasinosHunter’s Rating:
9.5/10
User’s Rating:
9.7/10
1 users reviews
1 users are fully satisfied
Total Rating: 9.5/10
Casino Reputation: Perfect

Welcome Package

Up to 1000€ + 125 FS (No Wager!)
100FIRST Bonus T&C
Start Hunting
Haz Casino Review

Haz is a comparatively recent online $20 deposit mobile casino site that is run by a well-known operator, is safe, secure, and reliable. It accepts fiat currencies and cryptocurrencies, and allows $20 deposits. Moreover, the site offers bonuses for players depositing fiat, or crypto, alike. Overall, the choice of bonuses on this platform is rather decent. 

Other gambling perks include: 

  • 50+ software providers
  • 8900+ games in the lobby
  • Live Dealer games
  • progressive jackpots

Please double check the gambling conditions for your jurisdiction before you register an account, and make any real money bets!

Casino Classic

Total Rating: 9.4/10
Casino reputation

Perfect - such reputation is assigned only to reliable, respectable casinos that have earned their honest name by providing legal info about license and ownership, by articulating comprehensive and fair gaming rules, by partnering with reliable payment processing companies, and by providing a decent number of entertaining and high quality games.

Perfect

CasinosHunter’s Rating:
9.3/10
User’s Rating:
10/10
0 users reviews
0 users are fully satisfied
Total Rating: 9.4/10
Casino Reputation: Perfect

Welcome Bonus

41 FS for C$1 Deposit
No Promo Code Bonus T&C
Start Hunting
Casino Classic Review

Casino Classic is an exclusively Microgaming casino site opened back in 1999, so it has been around for a while, and has passed the test of time for sure. Low deposits are allowed by that site, and in fact, you can start with a deposit as small as $1, and even get a bonus on it. The site is licensed, and has an eCOGRA certification. 

The advantages offered for real money players are as follows: 

  • slots by Microgaming
  • famous progressive jackpots
  • Loyalty Program

Besides, this 20 min deposit casino is mobile-compatible, which is good for mobile gamblers. There are also some Responsible gambling tools to make your gambling safe and controlled.

Zodiac Casino

Total Rating: 9.4/10
Casino reputation

Perfect - such reputation is assigned only to reliable, respectable casinos that have earned their honest name by providing legal info about license and ownership, by articulating comprehensive and fair gaming rules, by partnering with reliable payment processing companies, and by providing a decent number of entertaining and high quality games.

Perfect

CasinosHunter’s Rating:
9.3/10
User’s Rating:
10/10
0 users reviews
0 users are fully satisfied
Total Rating: 9.4/10
Casino Reputation: Perfect

Welcome Bonus

80 Free Spins for C$1
No Promo Code Bonus T&C
Start Hunting
Zodiac Casino Review

Another super old casino site opened in 2001, Zodiac is a Microgaming casino, too. The benefit is that it is reliable and tested - and eCOGRA certified - but the drawback is that the choice of games is obviously limited. $20 deposits are allowed, and even lower deposits are allowed, too. The site holds a Kahnawake license, making it perfect for Canadians. 

As for playing perks, these are: 

  • the best slots by Microgaming 
  • famous progressive jackpots 
  • Welcome Bonus for porgressive jackpot 

The site is mobile-compatible, and can be accessed from any mobile device via browser, regardless of the OS. Please double check the rules before signing up.

WildTornado Casino

Total Rating: 9.4/10
Casino reputation

Perfect - such reputation is assigned only to reliable, respectable casinos that have earned their honest name by providing legal info about license and ownership, by articulating comprehensive and fair gaming rules, by partnering with reliable payment processing companies, and by providing a decent number of entertaining and high quality games.

Perfect

CasinosHunter’s Rating:
9.5/10
User’s Rating:
9.2/10
5 users reviews
4 users are fully satisfied
Total Rating: 9.4/10
Casino Reputation: Perfect

Welcome Bonus

C$1000/0.02 BTC + 100 FS
WILD100 Bonus T&C

This is a comparatively new site run by a reliable operator. WildTornado allows both fiat and crypto, and accepts $20 deposits - in fact, the minimum allowed deposit is $15, which is even better. There are many banking options, but please beware of the default currency rule, because WildTornado’s default currency is EUR. 

For real money gambling fun, these are the pros: 

  • 40+ software providers 
  • 3000+ games 
  • Live Dealer games 
  • BTC games 

The best news is that the minimum deposit eligible for a bonus is $20, so you can grab the Welcome Offer, and some reload offers later, too. Check the full review by CasinosHunter for more information.

Luxury Casino

Total Rating: 9.3/10
Casino reputation

Perfect - such reputation is assigned only to reliable, respectable casinos that have earned their honest name by providing legal info about license and ownership, by articulating comprehensive and fair gaming rules, by partnering with reliable payment processing companies, and by providing a decent number of entertaining and high quality games.

Perfect

CasinosHunter’s Rating:
9.1/10
User’s Rating:
10/10
0 users reviews
0 users are fully satisfied
Total Rating: 9.3/10
Casino Reputation: Perfect

Welcome Package

100% up to C$1000
No Promo Code Bonus T&C
Start Hunting
Luxury Casino Review

Another Microgaming casino site still, Luxury casino is elegant and sleek in terms of design. It holds a Kahnawake license, and a certification by eCOGRA, which make it a safe and protected website for real money gambling. You can deposit your $20 and have access to bonuses and games on the platform, without limitations. 

Other benefits go as follows: 

  • games by Microgaming 
  • progressive jackpots 
  • attractive Welcome Bonus 

Before you register to claim a bonus and make real money bets, please double-check the Terms and Conditions for your jurisdiction.

BetChain Casino

Total Rating: 9.2/10
Casino reputation

Perfect - such reputation is assigned only to reliable, respectable casinos that have earned their honest name by providing legal info about license and ownership, by articulating comprehensive and fair gaming rules, by partnering with reliable payment processing companies, and by providing a decent number of entertaining and high quality games.

Perfect

CasinosHunter’s Rating:
9.3/10
User’s Rating:
8.9/10
3 users reviews
2 users are fully satisfied
Total Rating: 9.2/10
Casino Reputation: Perfect

Welcome Bonus

100 up to C$ 600 + 200 FS
No Promo Code Bonus T&C
Start Hunting
BetChain Casino Review

This casino site is not very old, but it has been around for many years. Licensed by Curacao, it accepts small deposits both in fiat and cryptocurrencies, but please mind that the default currency is EUR. There are many banking options for your convenience. Talking about games and bonuses, this is what BetChain offers: 

  • 20+ software providers 
  • 4000+ games 
  • Live Dealer games 
  • progressive jackpots 
  • horse racing bets 

Moreover, BetChain has a rich choice of generous bonuses, both for new and already loyal punters. Please feel free to check out the full review by CasinosHunter for more info.

Bitcasino.io

Total Rating: 9.2/10
Casino reputation

Perfect - such reputation is assigned only to reliable, respectable casinos that have earned their honest name by providing legal info about license and ownership, by articulating comprehensive and fair gaming rules, by partnering with reliable payment processing companies, and by providing a decent number of entertaining and high quality games.

Perfect

CasinosHunter’s Rating:
9.3/10
User’s Rating:
8.9/10
3 users reviews
2 users are fully satisfied
Total Rating: 9.2/10
Casino Reputation: Perfect

Cashback Bonus

Up to 10% Cashback
No Promo Code Bonus T&C
Start Hunting
Bitcasino.io Review

This site is one of the best for betting in cryptocurrencies - as you can even guess from its name - but it accepts some fiat money, too. Small deposits are possible, and there are a bunch of payment options for depositing and withdrawing. The license is by Curacao. 

In terms of real money bets and fun, this is what you can expect to find: 

  • 45+ software providers 
  • 3000+ games 
  • Live Dealer games 
  • progressive jackpots 
  • exclusive BTC slots 
  • high roller games 
  • sportsbook 

If you are one of the bonus hunters, however, check the bonus terms carefully, because this site offers unusual bonus options that might be confusing.

KatsuBet Casino

Total Rating: 9.1/10
Casino reputation

Perfect - such reputation is assigned only to reliable, respectable casinos that have earned their honest name by providing legal info about license and ownership, by articulating comprehensive and fair gaming rules, by partnering with reliable payment processing companies, and by providing a decent number of entertaining and high quality games.

Perfect

CasinosHunter’s Rating:
9.1/10
User’s Rating:
9.2/10
2 users reviews
2 users are fully satisfied
Total Rating: 9.1/10
Casino Reputation: Perfect

Welcome Package

100% up to C$ 500 + 100 FS
No Promo Code Bonus T&C
Start Hunting
KatsuBet Casino Review

This is a comparatively recent online casino featuring a nice Oriental design. The license of the site is by Curacao. Minimum deposit allowed starts from $10, both fiat and cryptocurrencies accepted, but please keep in mind that the default currency is EUR. 

If you are interested in the benefits of the lobby, here they are: 

  • 80+ software providers 
  • Live Dealer games 
  • progressive jackpots 
  • exclusive BTC games 

There are also some month-watering bonus offers on this platform, and lots of them, so even the most pampered gamblers will be satisfied.

Spinia Casino

Total Rating: 9/10
Casino reputation

Perfect - such reputation is assigned only to reliable, respectable casinos that have earned their honest name by providing legal info about license and ownership, by articulating comprehensive and fair gaming rules, by partnering with reliable payment processing companies, and by providing a decent number of entertaining and high quality games.

Perfect

CasinosHunter’s Rating:
9/10
User’s Rating:
8.8/10
1 users reviews
1 users are fully satisfied
Total Rating: 9/10
Casino Reputation: Perfect

Bonus Package

C$ 350 + 50 FS
PINACOLADA Bonus T&C
Start Hunting
Spinia Casino Review

Spinia is a higher than average online casino licensed by MGA, and bearing some seals of trust by independent and respectable parties in the niche. Spinia accepts several fiat currencies, but the default one is EUR; at the time of writing, crypto coins are not accepted. Small deposits are possible, though, and there is a healthy choice of banking options. 

The platform has the next gambling perks: 

  • 20+ software providers 
  • 2000+ games in the lobby 
  • Live Dealer games 

In addition, there are some bonus offers that can make your gambling more exciting, and more profitable! Please feel free to check out the full review for more information.

$20 Minimum Deposit Bonuses

If CA$20 as the smallest investment possible is your preferred choice, congrats! With such investment, you are likely to be eligible for all kinds of bonuses and promotions imaginable, expect maybe high roller bonuses. This means you will claim the Welcome Bonus, will be able to get weekly Reload, Cashback, and other promos, and you will start collecting loyalty points right away. 

Explore the offers carefully before you even deposit anything. There may be No Deposit bonuses, Free Spins, and various VIP programs you may be interested in. Maybe you will need promo codes to be able to claim this or that promotion. Therefore, check out all the rules beforehand, and use your minimum deposit to the fullest.

Welcome Bonuses With $20 Min Deposit 

One of the best things about casino deposit under $20 is that this amount is yet small enough to be very affordable for the majority of gamblers, even complete newbies, and yet, this amount already gives the player full access to bonus offers in the majority of casinos. 

Welcome Bonus for the newly registered customers is one of the most widespread, and also one of the most popular promotions gamblers seek for. If you deposit $20, there are high chances you will be offered a 100% match bonus (or even higher percentage!) up to $100, and even some Free Spins as part of the promotion. 

$20 Free Spins Bonuses 

Free Spins can be offered as part of the Welcome Bonus, together with the cash part of the bonus, or, you can be offered some Free Spins as a separate bonus. In any case, Free Spins are very advantageous, because the cost of the bet is paid for by the casino, while the winnings belong to the player. Also, all bonus features in online slots for real money work for Free Spins, so the winnings can be jaw dropping. 

There are two aspects to keep in mind, though. Firstly, in the majority of cases, Free Spins winnings are subject to the wagering requirements. Secondly, many casinos apply maximum withdrawal limits for winnings got from Free Spins.

Wagering and Betting Limits for $20 Minimum Deposits

Pay attention to the wagering requirements attached to the bonus you want to claim. The point is, wagering requirements can be very intimidating if you actually sit down and count how much money you have to wager before the withdrawal feature for the winnings will be unlocked. So, read the Promotions and T&C pages carefully, and don’t be shy to avoid the bonus if you believe the conditions applied are too much for you. The bigger the deposit, and the bigger the bonus, the bigger wagering requirements you are about to face. Don’t be afraid to proceed playing without the bonus, and enjoy real money bets without additional requirements as an obligatory burden. 

Another important limitation that always works for almost any online casino gamblers is withdrawal limits. There are three reasons why withdrawal limits exist. Firstly, payment processing companies out limits on the maximum sum per transaction they are able to process, and maximum sums per week or month per account. Secondly, the casino operator sets limits for withdrawals per day, week, and month, to be able to control the casino’s spendings, and not to go bankrupt in one month. And thirdly, withdrawal limits exist for players wagering the bonus money, because obviously no casino wants to pay huge sums to punters who wagers money granted by the casino! 

So, keep an eye on the withdrawal limits, and plan your withdrawals wisely. If you fail to meet the limit, or violate other withdrawal requirements, your cashout request will be rejected, and you will have to start it all over.

Top Payment Options with $20 Deposits

The good news is that, for CA$20 low dep parlours, the choice of possible banking options is the most abundant, compared to all other low dep gambling sites. Obviously, all possible payment processing companies allow sending $20, because this is a decent amount of money already. 

Therefore, you as a customer will face zero problems finding the most convenient payment method for your deposits. We say deposits, because withdrawals can be affected by other rules - for example, the casino itself may require $25 and more to be the minimum withdrawal possible. Also, if you choose Bank Transfer for cashout, your minimum withdrawal will be not less than $50, probably - somewhat more. 

But whatever, all you need to know is that finding the most suitable casino payment method is not an issue. If you are a Canadian gambler, you will most probably be able to use: 

  • Skrill
  • Neteller
  • iDebit
  • Instadebit
  • Interac
  • Paysafecard
  • Neosurf
  • Trustly

Please keep in mind though, that withdrawal limits and withdrawal options may differ for you, and that depends mostly on your jurisdiction - and the online casino with minimum deposit 20 dollar. This is why it is so important to pay attention beforehand both to the deposit and to the withdrawal methods available on site.

Mobile Casinos With $20 Minimum Deposits

According to our (broad) experience, the majority of online parlours generally run well on mobile devices even without an official mobile application. If you open them in the browser, you will most probably get a positive user experience. Of course, there are many sites that already offer an official app for various OS, so if you are into it, you should opt for one. 

If you also install a mobile application for your preferred payment method, you will have your gambling and your finance at hand, anywhere, anytime. Payment processing companies are by nature even more technically advanced than parlours, and almost all of them have their apps.

Other Types of Low Deposits Options

If CA$20 as a minimum investment allowed is not exactly your cup of tea, you actually have other options. Check out what other low dep parlours are available out there, and opt for the type you like most of all. You can change the gambling platform in a matter of minutes, so, don’t be afraid to explore new possibilities! 

$1 Deposit Casinos 

$1 deposit casinos are the most desirable option, literally a dream come true type of web gambling platform, for the majority of punters out there. Investing as little as CA$1 is very affordable, and even the most inexperienced and cautious newbie gambler can take such a risk. If you like the idea, check out those websites. 

$5 Deposit Casinos 

$5 deposit casinos are also within the category of the very low dep platforms. At the cost of a cup of coffee, one can get access to casino games, bonuses, and other perks of a web casino. This small CA$5 investment is also small enough from the financial risk point of view. 

$10 Deposit Casinos 

$10 deposit casinos are on the border between very low deposit and average size deposit gambling platforms. However, CA$10 gives way more possibilities in some parlours, opening the option of jackpot games, or offering a higher bonus. Being still very affordable, such investment can bring lots of fun.

$20 Deposit Casino: Wrap Up

Enjoying online gambling entertainment is not obligatory and an expensive experience. Today, there are many casinos that offer quality services for quite an affordable investment.

Beginner punters can easily make their first steps with small risks, cautious punters can minimize their financial investments, while seasoned gamblers can enjoy all the range of fun at newly explored parlours without spending much. In the end, all types of gamblers benefit from low deposit web parlours!

So, check out the list of platforms, find out more about bonuses and conditions, opt for the most convenient payment methods, and enjoy your gambling!

$20 deposit casinos may be one of the best options both for beginner and even seasoned gamblers. The first category of gamblers will feel less pressure about their financial risks, while the second group will feel safer exploring new casinos

The main benefit of the $20 casinos is that such a sum of deposit is small enough to risk freely, and yet, it already gives the player access to a wide range of games and $20 deposit bonus - with very few exceptions, if any at all. 

Of course choosing the right $20 minumum deposit casino site is a priority, and since the site’s reliability does not depend on the sum of allowed deposit, checking every $20 minumum deposit casino Canada is a must. But CasinosHunter has already done that for the punters. 

CasinosHunter offers full reviews, short reviews, and recommended casinos lists, to help players quickly choose among numerous casinos, opting for the best playing conditions. Take advantage of CasinosHunter reviews and recommended casinos lists, to choose the best games and the best bonuses for your $20 deposits! 

Hopefully, this review will make gamblers’ lives easier!

Frequently Asked Questions

Can I deposit in crypto coins to $20 minimum deposit casino Canada?

Some $20 minimum deposit casino sites will accept cryptocurrency. However, we are not sure that the minimum deposit allowed in crypto will be equal to $20 in fiat currency. If you would like to invest in digital coins, you should look specifically for cryptocurrency casino sites.

Is minimum deposit equal for different currencies at online casino 20 dollar minimum deposit?

Most 20 dollar minimum deposit casino sites will accept the same low deps in international currencies, but for local currencies, the smallest investment possible may differ. To be on the safe side, please check T&C.

Can I take a Welcome Bonus at a $20 minimum deposit online casino?

Yes, you will be offered a Welcome Bonus for sure. But be careful and double-check the conditions applied; if the bonus is not worth it, don’t be shy to proceed without it.

Can I play Live Dealer Games at an online casino 20 minimum deposit

If your online casino deposit of 20 minimum has Live Dealer Games in its lobby, you will probably be able to play those. Such a size of investment is big enough to make some bets against Live Dealers.

Do I have to pay the fees at casino 20 minimum deposit?

You are only to pay the fees applied by the payment processing company of your choice. No additional fees by the gambling platform should be applied.

Do I have to wager the 20 minimum deposit at a mobile casino?

Yes, there is a rule about wagering the deposit at least three times, even if you have not claimed any bonus attached to your deposit. This is done to prevent money laundering at casino sites, so don’t take it personally.