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If you offer a guaranteed prize of $100,000, you need to not only have $100,000 to cover the grand prize winner, but you also need to spend money on top of that to promote your contest, and if you want to offer any additional prizes, even more money on top of that. Spending $100k+ on a promotion is outside the budget of most businesses, which is why they don't run promotions. What they don't know is that you can offer a chance to win big money for a tiny fraction of that prize amount.

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