ROTO
River of the Ozarks.
That aint no lake.

Grew up on the 21MM - it's "the lake" - I had always heard LOZ until about the 2010's when imports started calling it loto...
Something about when people say loto I just assume they're new to the area.... I hear it pronounced both "lotto" and "low tow". At the end of the day, I don't care - it's "the lake"

Lake of the Ozarks sounds much better than loto thats what our state calls its lottery i hate it when everyone comes up with goofy acronyms instead of just saying the name of the lake