ATHENS, Greece (AP) - The latest from the referendum in Greece (all times local):

ATHENS, Greece (AP) The latest from the referendum in Greece (all times local):

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7 a.m.

Polls have opened across Greece in a snap referendum on whether the EU country will accept the tough creditor conditions attached to loans needed to avoid default and a banking collapse.

A "no" may lead to a chaotic departure from the shared euro currency. Even "yes" is no guarantee the creditors will agree to lend.

Prime Minister Alexis Tsipras is banking on fellow Greeks to deliver a resounding "no" in the popular vote that he believes will give him strong leverage in his negotiations with creditors the EU and the International Monetary Fund to swing a softer bailout deal.

Voters are asked to check one of two boxes: "not approved/no" and below it "approved/yes."

The more complicated question asks: "Must the agreement plan submitted by the European Commission, the European Central Bank and the International Monetary Fund to the Eurogroup of 25 June, 2015, and comprised of two parts which make up their joint proposal, be accepted? The first document is titled 'reforms for the completion of the current program and beyond' and the second 'Preliminary debt sustainability analysis.'"