Abstract: A gaming form such as a lottery ticket or the like, and a method for constructing the same, employ a biodegradable and recyclable paper substrate as the base, made from recycled fibers provided with carbon black for a high degree of opacity, and having biodegradable binders and coating layers made from water based coatings. The gaming form includes an opaque paper substrate which can be partly recycled fibers in a protein based binder, and defines the base of the form. The base, which is black, is coated with titanium oxide layers to resemble white paper. Indicia affecting the value of the form, for example indicia indicating winning status, is printed on the coating and covered with a non-concealing varnish protective layer, and by a water-based scratch-off coating, which also is environmentally safe. Successive layers of scratch-off coating and the inks applied to the form generally, are water based dispersions of resins, fillers, pigments and surfactants. A non-stick powder is applied as a last step.