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The discount rate is reducing the commission charged by Betfair based on the user's activity, it can be seen in "My account". Usually it is 0. laying a bet is same as backing all other possible outcomes so these are the virtual odds (counting the commission) of backing everything than the laid bet. For example if the user can take 1.80 on Stoke +0.5 in some bookie he shouldn't lay 2.20 or more for their loss.