at least one game area comprising at least one play area on top of said substrate, each play area comprising a plurality of play regions with each play region comprising a first indicia, a visible first opaque scratch-off layer covering the first indicia and a second indicia printed on top of the scratch-off layer, said second indicia being different than the first indicia in each play region, and in each play area at least one first indicia matching at least one second indicia within the same play area, and prize determining means comprising instructions for removing the first opaque scratch-off layer from at least one of the play regions to form an activated play revealing the first indicia beneath the scratch-off layer, region wherein a prize is won if the first indicia in at least one activated play region matches any one of the second play indicia remaining in the play regions which are not activated.