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<font face="Arial,Helvetica"><font color="#666600">
August 30, 2008, 
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<p><b><u><font face="Arial,Helvetica"><font color="#000000"><font
size=+1>Blackjack</font></font></font></u></b></center>

<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; The game blackjack,
or 21, originated from the French card game, <i>vingt-et-un</i>.&nbsp;
There are several variations of the game today: pontoon, vingt-et-un and
California aces.&nbsp; Blackjack is one of the most popular table games
in any casino because of its solid payoff odds and simplicity.&nbsp; As
well, there is enough strategy involved to make the game very interesting.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; Current statistics indicate
that the average gambler spends about thirty percent of his or her gambling
time at a blackjack table.&nbsp; This popularity has a solid rationale:
blackjack is one of the only casino games where the player can have an
advantage over the house.&nbsp; To make use of that slight advantage, a
player must know how to play every possible hand and the strategies involved
with proper play.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp; Some skilled players have
the ability to shift the odds further in their favor by following a strategy
of card counting.&nbsp; Casinos despise card counters, and whenever they
spot one, they simply remove him from the premises.&nbsp; Some casinos
even bar card counters from returning.&nbsp;</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; You would probably think
that this method of winning is unlawful, but it really is not.&nbsp; Card
counters simply memorize cards played, then adjust the odds according to
the cards remaining in the pack.&nbsp; At a certain level, this is just
smart play&nbsp; but it puts all the other players at a disadvantage.&nbsp;
Casinos now use multiple decks of cards and shuffle often to cancel out
any advantages enjoyed by counters.</font>
<br><font face="Arial,Helvetica"></font>&nbsp;<font face="Arial,Helvetica"></font>
<p><b><u><font face="Arial,Helvetica">WHAT IS BLACKJACK?</font></u></b>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; Blackjack is a card
game played with one, two, four, six or eight decks.&nbsp; In some casinos,
if there are only one or two decks being used, they are held in the dealer's
hand.&nbsp; If there are for or more decks being used, then the cards are
dealt from a card shoe (a device that holds cards).&nbsp; The fewer the
decks, the fewer the cards, the easier it becomes for card counters to
keep track of what has been played.</font>
<br><font face="Arial,Helvetica"></font>&nbsp;<font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; A typical blackjack
table can accomodate up to seven players.&nbsp; Each player plays against
the dealer, not against other players. The blackjack table itself is important
because it gives information to the players concerning the house rules.&nbsp;
The payoff odds are printed on the felt of the table.&nbsp; Often they
will say: "Blackjack pays 3 to 2" meaning that if you are dealt a natural
21, you will receive three dollars for every two dollars bet. "Dealer must
stand on all 17's," meaning that if the dealer's hand has a total of 17
or more he or she is not permitted to take a hit; and "Insurance pays 2
to 1" meaning that if you accept the insurance bet when the dealer has
an ace showing and it turns out that the dealer has blackjack, then you
double your bet.&nbsp; You'll sometimes see that ties between the player
and the dealer are a standoff. To find out other rules whict are not posted,
simply ask the dealer.</font><font face="Arial,Helvetica"></font>
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<br>
<p><b><u><font face="Arial,Helvetica">OBJECT OF THE GAME</font></u></b><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; The object of the game
is for you to have a higher total of cards than the dealer, but not to
exceed a total of 21.&nbsp; Put another way - the total value of the cards
must be 21 or less or the hand automatically loses (busts).&nbsp; The most
straightforward way of getting a 21 is to be dealt an ace and a card worth
10 - this is called blackjack.&nbsp; A total of 21 can obviously be achieved
with many other card combinations.</font><font face="Arial,Helvetica"></font>
<p><b><u><font face="Arial,Helvetica">THE CARDS</font></u></b><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; It's important to know
the value of the cards prior to playing any card game.&nbsp; All face cards,
which include jacks, queens and kings, have a point value of 10.&nbsp;
Aces in blackjack are worth either I or I I depending on the preference
of the player (or dealer in regards to his cards).&nbsp; For example, if
a player has an ace and an 8, the total could be either 9 or 19 (in this
case, the player should choose the latter).&nbsp; All the other cards,
which include 2, 3,4, 5,6,7,8,9 and 10, are worth their face value.&nbsp;
This means that if you have a 4 and a 6, the total is 10. Jacks, queens
and kings all have a value of 10 and are part of play in the game of Blackjack.&nbsp;
The colors of the cards (black or red) and the suits of the cards (hearts,
diamonds, clubs, spades) are not important.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; The terms "hard" or
"soft' are also used to refer to the total value of the cards.&nbsp; This
is based on whether there is an ace in the hand.&nbsp; For example, if
a player has an ace and a 6, the term for this hand would be "soft 17."
If the player had a 10 and a 7, however, the term for this hand would be
"hard 17."</font><font face="Arial,Helvetica"></font>
<p><b><i><u><font face="Arial,Helvetica">DID YOU KNOW...</font></u></i></b>
<br><i><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; In the early days
of blackjack, players were awarded more if they got the jack of spades
and the ace of spades, hence the name blackjack.&nbsp; Today some casinos
still offer higher payoff odds if a player gets this jack/ace combination.</font></i><font face="Arial,Helvetica"></font>
<p><b><u><font face="Arial,Helvetica">GETTING STARTED</font></u></b><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; To begin, take a seat
at any open spot at a table, but watch for the minimum and maximum bets
accepted.&nbsp; There are usually up to seven seats per table.&nbsp; Minimum
bets may range from $5 to $100.&nbsp; As a beginner, you'll likely want
to start at the $5 table.&nbsp; A few casinos in Las Vegas and Reno still
have a few tables that offer a minimum bet of $1, but most Canadian casinos
require at least a $5 bet.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; Next, place your chips
or money on the circle before you.&nbsp; If the hand is already in progress
when you sit down, the dealer will deal you in the next round after you
place your bet in the designated spot.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; When a new game begins,
the dealer will shuffle the cards, place them in front of a player and
ask that person to cut the deck. if he does not want to cut, he can pass
the opportunity onto the next player.&nbsp; Usually players cut the deck
by inserting a "cut card" (a plastic card that is of a different color
from the deck and which has no images or writing on it) near the middle
of the pile of cards.&nbsp; The dealer then removes the top card and places
it into the discard tray.&nbsp; This card is called a 'burn card' and remains
out of play.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; Then the dealer starts
to deal.&nbsp; He deals from the closest player to his left all the way
around the table.&nbsp; The position closest to the left of the dealer
is called "first base" and the closest place to the right of the dealer
is called "third base". The dealer will either deal the players their cards
face-up or face-down (depending on the rules of the casino) and he will
deal one card face-up and one card face-down to himself.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; The card dealt face-down
to the dealer is called the hole card.&nbsp; If the dealer has an ace as
his face-up card, the dealer will ask all players if they want to buy "insurance"
Insurance is a bet that says that the dealer has a 10 as his hole card.&nbsp;
The cost of buying insurance against the dealer having blackjack (and winning
all the hands) is half of your original bet.&nbsp; The dealer then checks
to see if he has blackjack.&nbsp; If his hole card is a 10 or a picture
card, he pays all players twice the amount insured.&nbsp; If not, then
all insurance bets go to the house and play continues.</font>
<br><font face="Arial,Helvetica"></font>&nbsp;<b><u><font face="Arial,Helvetica"></font></u></b>
<p><b><u><font face="Arial,Helvetica">HOT TIP</font></u></b>
<br><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; <i>Never place the
insurance bet.&nbsp; The odds work only in favor of the house and not the
player</i></font>
<br><font face="Arial,Helvetica"></font>&nbsp;<font face="Arial,Helvetica"></font>
<p><b><u><font face="Arial,Helvetica">PLAY AND STRATEGY</font></u></b><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; When everyone has two
cards, the players calculate the total value of the two cards and decide
what to do.&nbsp; There are several options:</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">1. surrendering your hand</font>
<br><font face="Arial,Helvetica">2. taking a hit</font>
<br><font face="Arial,Helvetica">3. standing pat</font>
<br><font face="Arial,Helvetica">4. splitting a pair</font>
<br><font face="Arial,Helvetica">5. doubhng-down your bet</font>
<br><font face="Arial,Helvetica">6. taking even money</font><font face="Arial,Helvetica"></font>
<p><b><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; Surrendering your
hand </font></b><font face="Arial,Helvetica">is an option that most casinos
offer There are two variations of surrendering: early and late surrendering.&nbsp;
Early surrendering is when you surrender before the dealer checks for blackjack.
late surrendering is when you surrender after the dealer checks for blackjack.&nbsp;
In both scenarios, you throw in your hand and lose only half of your initial
bet.&nbsp; To surrender, throw in your cards in the middle of the table
and say "surrender"</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; Generally, you should
restrict surrendering only to situations which are utterly hopeless.&nbsp;
For example, if you are dealt a hard 15 or l6 with the dealer showing a
10, then surrendering would be in order.&nbsp; Surrender is a useful option
to the player because it allows you to save half of your bet when the dealer
appears to have a winning hand.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; <b>Taking a hit</b>
is done when the count of your two cards is less than 21, and you hope
to approach that total by taking another card.&nbsp; Remember, if your
total exceeds 21 you bust and lose that hand and your entire bet.&nbsp;
For example, if your total equals 13 and the dealer is showing a 9, you
would hit to get your total close to 21. To take a hit, either tap the
felt in front of your cards, scratch the felt with your finger or cards,
or simply say "hit" Most casinos require hand (scratch) signals that are
visible to the "eye in the sky" (the hidden surveillance camera which oversees
almost all casino operations).</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; You can hit as many
times as you like until you bust (when the total of your cards exceeds
21) and then the dealer will sweep away your bet. if your hand exceeds
21, you cannot keep betting or attempt to bluff (sometimes permitted in
private games of blackjack).</font><font face="Arial,Helvetica"></font>
<p><b><u><font face="Arial,Helvetica">HOT TIP</font></u></b>
<br><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; <i>Use the tables at
the end of this page to determine when to hit and when to stand pat</i>.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; <b>Standing pat</b>
is used when you think you have a good enough hand to beat the dealer.&nbsp;
You can stand with your original two cards or at any time after hitting
so long as you have not busted (total of cards over 21).&nbsp; For example,
if you are dealt a 10 and a 9, you would then stand pat.&nbsp; You have
little chance of drawing a 2 or an ace.&nbsp; To stand pat or "stay," either
wave your hand horizontally above your cards or tell the dealer that you
would like to stand or stay.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; <b>Splitting a pair</b>
is another option.&nbsp; If you receive a pair, you are allowed to place
an amount equal to your initial bet in the circle before you and tell the
dealer that you would like to split your pair.&nbsp; Then you play out
both hands by taking hits until you are satisfied or bust.&nbsp; You are
sometimes allowed to re-split if you are dealt another card with the same
value as the cards in your pair, depending on casino rules.&nbsp; For example,
if you are dealt a pair of 8's, and split them and then receive another
8, you are permitted to re-split that second pair of 8's.&nbsp; Each re-split
requires an additional bet equal to the initial bet. (Note: Many casinos
restrict splitting aces to one time only.&nbsp; Sometimes there are other
restrictions as well.&nbsp; Check the rules before you play.)</font><font face="Arial,Helvetica"></font>
<p><b><u><font face="Arial,Helvetica">HOT TIP</font></u></b>
<br><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; <i>If the chance arises,
more often than not it is advisable to split.&nbsp; Do not, however, split
every pair you receive.&nbsp; For instance, if you are dealt a pair of
jacks (total 20), it would be pointless to split them up.&nbsp; The table
at the end of page chapter indicates when it is most advantageous for you
to split.</i></font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; <b>Doubling-down</b>
is when you double your initial bet to receive only one more card.&nbsp;
This is quite a good bet when the initial cards total 11, especially because
it permits you to increase your bet after you have seen the dealer's up
card.&nbsp; On the other hand, the disadvantage is that you receive only
one card.&nbsp; This option can work both ways for you.&nbsp; For example,
if you are dealt a 5 and a 6 with the dealer showing a 5, it would be in
your best interests to double-down. if the next card given to you is a
9 or 10, then you have a very good chance to win with your total.&nbsp;
But if you receive a 2 as your hit, then you are in quite a predicament
with only 13.</font><font face="Arial,Helvetica"></font>
<p><b><u><font face="Arial,Helvetica">HOT TIP</font></u></b>
<br><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; <i>Always double-down
with a total of 11.</i></font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; Many casinos have restrictions
on when you can and cannot double-down, so be sure to ask the dealer of
the rules prior to playing.&nbsp; Most casinos permit you to double-down
even after splitting a pair.&nbsp; If appropriate, use this option after
referring to the chart at the end of this page.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; <b>Even money</b> is
when you are dealt a blackjack and the dealer's face-up card is an ace.&nbsp;
If you say "even money," you take 1 to 1 odds prior to the dealer checking
his hole card, instead of the 3 to 2 usual odds for getting a blackjack.&nbsp;
You forfeit a chance at the 3 to 2 payoff if the dealer does not have a
blackjack, but avoid a push (or tie) if the dealer does have a blackjack.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; After all the players
have finished with their hands, it is the dealer's turn to complete his
hand.&nbsp; First, the dealer flips over his hole card to expose it to
everyone.&nbsp; Next, he will keep taking hits until his card count reaches
at least 17.&nbsp; If the dealer's count exceeds 21, the dealer busts and
has to pay all remaining players an amount equal to their bet.&nbsp; The
dealer does not have the option to surrender, split, take insurance or
double-down.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; After this stage is
complete, the dealer will compare his hand to every player's hand.&nbsp;
If his hand has a higher point total than yours, he will collect your bet
and the house wins.&nbsp; If his hand's point total is equal to yours,
it is called a "push," and your bet is returned.&nbsp; If his hand has
a lower point total than yours, you win and he will pay you one dollar
for every dollar you wagered.&nbsp; If he busts, then every player still
in the game will also be paid one dollar for every dollar wagered.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; When all the bets are
collected and paid, the dealer removes the cards from the playing surface
and places them into the discard tray.</font><font face="Arial,Helvetica"></font>
<p><b><u><font face="Arial,Helvetica">HOT TIP</font></u></b>
<br><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; <i>The even money bet
should never be exercised.&nbsp; The odds are better for you to play for
the full blackjack payoff.</i></font>
<br><font face="Arial,Helvetica"></font>&nbsp;
<br><font face="Arial,Helvetica"></font>&nbsp;<font face="Arial,Helvetica"></font>
<p><b><u><font face="Arial,Helvetica">IMPROVING YOUR ODDS</font></u></b><b><u><font face="Arial,Helvetica"></font></u></b>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; While card counting
is not permitted at many casinos, some awareness of the cards played (and
those still in the deck) might well improve your odds.&nbsp; For instance,
the deck is more favorable to you when there is a greater number of high
cards remaining in it.&nbsp; Conversely, the deck favors the dealer when
it has an abundance of low cards.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; Card counting can be
quite difficult if you attempt to keep track of the cards played; but many
players get a feel for the number of "paints" (10-value cards) played and
most players can keep count of the aces.&nbsp; This can affect your strategy.</font>
<br><font face="Arial,Helvetica">For instance, suppose the dealer is showing
a king and you have 11. The basic strategy would be to double-down.&nbsp;
But if you know that there are few picture cards and 10's remaining in
the deck, you may simply draw one card.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; Or, suppose the dealer
is showing an 8 and you have a miserable 15. If you know the deck is full
of low-value cards, should you hit or stand?&nbsp; The odds tables say
hit, but your information on the deck says stand.&nbsp; And the best solution
might be to surrender, if you have that option.</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; Counting or keeping
track of 10-value cards may not make you a winner, but it will help your
strategy throughout the game.</font><font face="Arial,Helvetica"></font>
<p><b><u><font face="Arial,Helvetica">5 TIPS TO IMPROVE YOUR CHANCES AT
BLACKJACK</font></u></b><b><u><font face="Arial,Helvetica"></font></u></b>
<p><font face="Arial,Helvetica">1. Double-down in most circumstances (refer
to charts at the end of this&nbsp;&nbsp;</font>
<br><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; page)</font>
<br><font face="Arial,Helvetica">2. Never take insurance or even money.</font>
<br><font face="Arial,Helvetica">3. Hit on a hard 16 or less when the dealer's
face card is a 7 or more.</font>
<br><font face="Arial,Helvetica">4. Hit on a soft 17 or less.</font>
<br><font face="Arial,Helvetica">5. Split aces and most 7, 8 and 9 pairs
(refer to the charts at the end of&nbsp;</font>
<br><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; this page) Never split
10-value cards or 5's</font>
<br><font face="Arial,Helvetica"></font>&nbsp;
<br><font face="Arial,Helvetica"></font>&nbsp;
<br><b><font face="Arial,Helvetica"></font></b>
<center>
<p><b><font face="Arial,Helvetica">When to stand and when to hit</font></b>
<br><img SRC="blackjack_table1.jpg" height=249 width=447></center>

<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; The term "soft" simply
means that the total value of cards (for example, soft 16) contains an
ace (the other card would therefore be a 5)</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">&nbsp;&nbsp;&nbsp; <i>Example</i>: If you
are dealt a soft 18 and the dealer's face-up card is a 9, it is in your
best interest to take a hit.</font><font face="Arial,Helvetica"></font>
<center>
<p><b><font face="Arial,Helvetica">Odds that you'll bust (exceed 21) by
taking a card</font></b>
<br><img SRC="blackjack_table2a.jpg" height=274 width=400>
<p><b><font face="Arial,Helvetica">Odds that the dealer will bust</font></b>
<br><img SRC="blackjack_table2b.jpg" height=135 width=400><b></b>
<p><b><font face="Arial,Helvetica">When to split</font></b>
<br><img SRC="blackjack_table2c.jpg" height=293 width=450></center>
<font face="Arial,Helvetica"></font>
<p><b><u><font face="Arial,Helvetica">Legend</font></u></b><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica">- *10 + 10 means two cards worth 10 each
(say a jack and a king)</font>
<br><font face="Arial,Helvetica">- DD means to double-down</font>
<br><font face="Arial,Helvetica">- split, stand and hit are above</font><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica"><i>Example</i>: If you are dealt two 9's
and the dealer's face-up card is a 6, then you would definately split your
pair. Or if you are dealt two 7's and the dealer's face-up card is a 10,
then it would be most advisable to play the cards you have.</font><b><font face="Arial,Helvetica"></font></b>
<center>
<p><b><font face="Arial,Helvetica">When to double-down</font></b>
<br><img SRC="blackjack_table2d.jpg" height=234 width=450></center>
<font face="Arial,Helvetica"></font>
<p><br><font face="Arial,Helvetica"></font>
<p><font face="Arial,Helvetica"><i>Example</i>: If you are dealt a 6 and
a 4, to give you a total of a 10, and the dealer is showing a 6, it would
be most advantageeous to doube-down.</font><font face="Arial,Helvetica"></font>
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