Jan 06, 2012 The opportunity for insurance wagers arise when the dealer draws a face-up ace; at this point, the dealer will go around the table and ask everybody if they want to take insurance. The insurance is in case the dealer receives a blackjack, and you put out half of your original bet as the insurance. Knowing when to buy insurance greatly increases your odds of winning blackjack. Hey guys, I want to just go into the insurance bet in blackjack and when to buy it. Basically, here on the layout, you see insurance pays two to one. What it is, it is a side bet that the dealer has blackjack.

1. Buying Insurance In Blackjack
2. Buying Insurance In Blackjack
3. Buying Insurance In Blackjack For Dummies
4. Buying Insurance In Blackjack No Deposit
5. Buying Insurance In Blackjack Real Money
6. Buying Insurance In Blackjack Machines

I’ve written a few articles in the past that included advice that said you should never take insurance when you play blackjack. I stand by this advice because, for over 90% of the players who read my articles, the advice is 100% correct.

But I also need to present the other side of the argument to give you a complete understanding of insurance. The truth is that insurance is the correct play in a few specific situations. Most of these situations only become apparent to professional card counters, and because counting pros spend most of their time beating the casinos and not reading my articles, my advice of never taking insurance is correct for everyone else.

So why am I writing an article about taking insurance?

1. In blackjack, insurance is a side bet which is separate to your original stake. Offered only when the dealer's upcard is an ace, it acts as a safety net against an opposing blackjack. An insurance bet is usually half your original wager and pays 2 to 1. The side bet is completed when the dealer's second card is revealed.
2. You lose $5 on insurance and win $15 on your original bet, $10 net gain. 3) You don't have blackjack but the dealer does. You win $10 on insurance and lose your original $10 bet, a push. 4) Neither you nor the dealer have blackjack and you win the hand. You lose the $5 insurance but win $10 on your original bet, $5 net gain.

As you’re getting ready to learn, there are a few situations while playing blackjack when clearly it seems that taking insurance is a good bet. The odds are good that these situations are going to surprise you because they’re not why most players take insurance.

The Argument Against Insurance

The reason why taking insurance is a bad decision most of the time can be explained using simple math. But, as you’re going to see in the next section, this same simple math is used to show in a few situations that insurance is a good bet.

When the dealer has an ace, he or she offers insurance to the payers at the table. Insurance costs half of your original wager and pays 2 to 1 when the dealer has a natural blackjack. The only way the dealer has a natural blackjack is when his or her down card is worth 10 points.

The odds of the face down card being worth 10 points are 9 to 4 against. This is a percentage chance of 30.77% that the dealer has a blackjack. The reason why the odds are 9 to 4 is because of the 13 total card ranks, four of them are worth 10 points, and the other nine aren’t. The four 10-point value ranks are the face cards and the 10s.

When you compare 9 to 4 against the payout of 2 to 1, the casino has an edge. For the bet to be fair, the chances of the dealer having a blackjack need to be the same as the payout. The payout of 2 to 1 means that the percentage chance of the dealer having a blackjack needs to be 33.33%.

In any situation where the chance the dealer has a blackjack is over 33.33%, the insurance wager is a good bet.

The problem is that most of the time, the dealer doesn’t have a 33.33% or higher chance to have a blackjack. This goes back to how you compute the dealer’s percentage, or odds, based on the normal makeup of a deck of cards.

Determining the odds or percentages based on a normal distribution of cards in the deck sounds correct, but it assumes you don’t know the value of any cards. This is the safe way to do it, especially in a shoe game because a single card doesn’t change the odds or percentages much.

But what happens if you take the knowledge of cards played and remaining available in the deck or shoe into account?

Is there a way to use this information to determine when taking insurance is a good bet?

When You Should Take Insurance

Now that you understand how the math behind the insurance bet works, let’s look at a specific example where the bet changes from bad to good.

You’re playing in a single deck blackjack game.

• On the first round of hands, you see the value of 14 cards. Only one of them is worth 10 points, so the remaining cards have 15 cards valued at 10. With 14 cards played, the deck has a total of 38 cards.
• The second round of hands is dealt, and the dealer has an ace face up. You haven’t seen the value of the other player’s cards at this point, and you have a king in your hand. Now you’ve seen the values of 17 cards when you include the two in your hand and the dealer’s ace.
• The remaining unseen cards total 35 and 14 of them are worth 10 points. This means that the odds of the dealer having a 10-point value down card are 21 to 14 or 3 to 2 against. In other words, 40% of the time the dealer is going to have a natural blackjack.

A winning insurance wager pays 2 to 1, so the odds are better than that in this hand. The 2 to 1 payout means that the chance of a dealer blackjack needs to be at least 33.3%, and in this example, the chance is 40%.

While this example is an extreme one to show when insurance is a good bet, you can also learn something from it. Now that you know that the chances of the dealer having a natural blackjack need to be 33.3% or higher, you can use this information in any single deck blackjack game. You can even use it in a double deck game if you do a good job of tracking cards.

This is much like card counting in that you don’t have to memorize every single card that’s been played. All you need to do is keep track of the ratio of total cards played to 10-point value cards. This even works in shoe games, but the truth is if you’re able to keep track of this ratio in shoe games, you should be counting cards.

How Important Is This Knowledge?

While it’s important to recognize and use every small advantage you can find, the truth is that the opportunity to take insurance with an edge is rare. If you play in single and double deck games often, it’s something that you should watch for.

But you should only concern yourself with profitable insurance opportunities after you do a few other things to lower the house edge. The first thing you should do is find blackjack games with good rules. The next thing every blackjack player should do is use basic strategy. It’s a waste of time and energy to worry about insurance before you do these two things.

Once you learn about the rules and learn how to use perfect strategy, then you can start looking for opportunities to take advantage of insurance. But even in this situation, I recommend looking for insurance opportunities as an introduction to learning more about counting cards.

When you start tracking card ratios, which is at the heart of determining when taking insurance is a good bet, you’re starting to use the same techniques card counters use. And the fact is that most popular card counting systems include a breakpoint where players start taking insurance.

If you’re looking for every possible edge at the blackjack table, understanding how insurance works and when you should take it is important. But if you don’t want to do the extra work, then stick with good rules and proper strategy. By declining insurance every time, you’re not going to make a mistake often. When you do, it’s only going to cost you a small amount over time.

It’s a much more costly mistake to take insurance when you shouldn’t than to miss an opportunity to take insurance every once in a while, when it’s the correct play.

Conclusion

Taking insurance at the blackjack table is a bad bet most of the time. If you’re a basic strategy player or a seat of your pants player and don’t count cards, your best play is to always decline blackjack insurance. But as you can see from the numbers included in this article, there are certain situations when insurance goes from a bad bet to a good one.

Once you master basic blackjack strategy, start looking for opportunities where insurance is a good bet. When you start recognizing these opportunities, it’s a good sign that you’re ready to investigate card counting. It’s a small step from understanding and using what you learned above to become a successful card counter.

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By Ion Saliu, Founder of Blackjack Mathematics

I. Probability, Odds for a Blackjack or Natural 21
II. House Edge on Insurance Bet at Blackjack
III. Calculate Double-Down Hands
IV. Calculate Blackjack Pairs: Strict or Mixed Ten-Cards
V. Free Blackjack Resources, Basic Strategy, Casino Gambling Systems

1.1. Calculate Probability (Odds) for a Blackjack or Natural 21

First capture by the WayBack Machine (web.archive.org) Sectember (Sect Month) 1, 2015.

I have seen lots of search strings in the statistics of my Web site related to the probability to get a blackjack (natural 21). This time (November 15, 2012), the request (repeated 5 times) was personal and targeted directly at yours truly:

• 'In the game of blackjack determine the probability of dealing yourself a blackjack (ace face-card or ten) from a single deck. Show how you arrived at your answer. If you are not sure post an idea to get us started!'

Oh, yes, I am very sure! As specified in this eBook, the blackjack hands can be viewed as combinations or arrangements (the order of the elements counts; like in horse racing trifectas).

1) Let's take first the combinations. There are 52 cards in one deck of cards. There are 4 Aces and 16 face-cards and 10s. The blackjack (or natural) can occur only in the first 2 cards. We calculate first all combinations of 52 elements taken 2 at a time: C(52, 2) = (52 * 51) / 2 = 1326.

We combine now each of the 4 Aces with each of the 16 ten-valued cards: 4 * 16 = 64.

The probability to get a blackjack (natural): 64 / 1326 = .0483 = 4.83%.

2) Let's do now the calculations for arrangements. (The combinations are also considered boxed arrangements; i.e. the order of the elements does not count).

We calculate total arrangements for 52 cards taken 2 at a time: A(52, 2) = 52 * 51 = 2652.

In arrangements, the order of the cards is essential. Thus, King + Ace is distinct from Ace + King. Thus, total arrangements of 4 Aces and 16 ten-valued cards: 4 * 16 * 2 = 128.

The odds to get a blackjack (natural) as arrangement: 128 / 2652 = .0483 = 4.83%.

4.83% is equivalent to about 1 in 21 blackjack hands. (No wonder the game is called Twenty-one!)

Calculations for the Number of Cards Left in the Deck, Number of Decks

There were questions regarding the number of cards left in the deck, number of decks, number of players, even the position at the table.

1) The previous probability calculations were based on one deck of cards, at the beginning of the deck (no cards burnt). But we can easily calculate the blackjack (natural) odds for partial decks, provided that we know the number of remaining cards (total), Aces and Ten-Value cards.

Let's take the situation heads-up: One player against the dealer. Suppose that 12 cards were played, including 2 Tens; no Aces out. What is the new probability to get a natural blackjack?

Total cards remaining (R) = 52 - 12 = 40

Aces remaining in the deck (A): 4 - 0 = 4

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Ten-Valued cards remaining (T): 16 - 2 = 14

Odds of a natural: (4 * 14) / C(40, 2) = 56 / 780 = 7.2%

(C represents the combination formula; e.g. combinations of 40 taken 2 at a time.)

The probability for a blackjack is higher than at the beginning of a full deck of cards. The odds are exactly the same for both Player and Dealer. But - the advantage goes to the Player! If the Player has the BJ and the Dealer doesn't, the Player is paid 150%. If the Dealer has the blackjack and the Player doesn't, the Player loses 100% of his initial bet!

This situation is valid only for one Player against casino. Also, this situation allows for a higher bet before the round starts. For multiple players, the situation becomes uncontrollable. Everybody at the table receives one card in succession, and then the second card. The bet cannot be increased during the dealing of the cards. Hint: try as much as you can to play heads-up against the Dealer!

The generalized formula is:

Probability of a blackjack: (A * T) / C(R, 2)

A = Aces in the deck

T = Tens in the deck

R = Remaining cards in the deck.

2) How about multiple decks of cards? The calculations are not exactly linear because of the combination formula. For example, 2 decks, (104 cards):

~ the 2-deck case:

C(52, 2) = 1326

C(104, 2) = 5356 (4.04 times larger than total combinations for one deck.)

8 (Aces) * 32 (Tens) = 256

Odds of BJ for 2 decks = 256 / 5356 = 4.78% (a little lower than the one-deck case of 4.83%).

~ the 8-deck case, 416 total cards:

C(52, 2) = 1326

C(416, 2) = 86320 (65.1 times larger than total combinations for one deck.)

32 (Aces) * 128 (Tens) = 4096

Odds of BJ for 8 decks = 4096 / 86320 = 4.75% (a little lower than the two-deck situation and even lower than the one-deck case of 4.83%).

There are NO significant differences regarding the number of decks. If we round the figures, the general odds to get a natural blackjack can be expressed as 4.8%.

The advantage to the blackjack player after cards were played: Not nearly as significant as the one-deck situation.

3) The position at the table is inconsequential for the blackjack player. Only heads-up and one deck of cards make a difference as far the improved odds for a natural are concerned.

• Axiomatic one, let's cover all the bases, as it were. The original question was, exactly, as this: 'Dealing yourself a blackjack (Ace AND Face-card or Ten) from a single deck'. The calculations above are accurate for this unique situation: ONE player dealing cards to himself/herself. The odds of getting a natural blackjack are, undoubtedly, 1 in 21 hands (a hand consisting of exactly 2 cards).
• Such a case is non-existent in real-life gambling, however. There are at least TWO participants in a blackjack game: Dealer and one player. Is the probability for a natural blackjack the same – regardless of number of participants? NOT! The 21 hands (as in probability p = 1 / 21) are equally distributed among multiple game agents (or elements in probability theory). Mathematics — and software — to the rescue! We apply the formula known as exactly M successes in N trials. The best software for the task is known as SuperFormula (also component of the integrated Scientia software package).
• Undoubtedly, your chance to get a natural BJ is higher when playing heads-up against the dealer. The degree of certainty DC decreases with an increase in the number of players at the blackjack table. I did a few calculations: Heads-up (2 elements), 4 players and dealer (5 elements), 7 players and dealer (8 elements).
  • The degree of certainty DC for 2 elements (one player and dealer), one success in 2 trials (2-card hands) is 9.1%; divided by 2 elements: the chance of a natural is 9.1% / 2 = 4.6% = the closest to the 'Dealing yourself a blackjack (Ace AND Face-card or Ten) from a single deck' situation.
  • The chance for 5 elements (4 players and dealer), one success in 5 trials (2-card hands) is 19.6%; distributed among 5 elements, the degree of certainty DC for a blackjack natural is 19.6% / 5 = 3.9%.
  • The probability for 8 elements (7 players and dealer), one success in 8 trials (2-card hands) is 27.1%; equally distributed among 8 elements, the degree of certainty DC of a blackjack natural is 27.1% / 8 = 3.4%.
• That's mathematics and nobody can manufacture extra BJ natural 21 hands... not even the staunchest and thickest card-counting system vendors! The PI... er, pie is small to begin with; the slices get smaller with more mouths at the table. Ever wondered why the casinos only offer alcohol for free — but no pizza?

1.2. Probability, Odds for a Blackjack Playing through a Deck of Cards

The probabilities in the first chapter were calculated for one trial. That is, the odds to get a blackjack in the first two cards. But what are the probabilities to get a natural 21 dealing an entire deck?

1.2.A. Dealing 2-card hands until the deck is dealt entirely

There are 52 cards in the deck. Total number of trials (2-card hands) is 52 / 2 = 26. SuperFormula probability software does the following calculation:

• The probability of at least one success in 26 trials for an event of individual probability p=0.0483 is 72.39%.

1.2.B. Dealing 2-card hands in heads-up play until the deck is dealt entirely

There are 52 cards in the deck. We are now in the simplest real-life situation: heads-up play. There is one player and the dealer in the game. We suppose an average of 6 cards dealt in one round. Total number of trials in this case is equivalent to the number of rounds played. 52 / 6 makes approximately 9 rounds per deck. SuperFormula does the following calculation:

• The probability of at least one success in 9 trials for an event of individual probability p=0.0483 is 35.95%.

You, the player, can expect one blackjack every 3 decks in heads-up play.

2. House Edge on the Insurance Bet at Blackjack

“Insurance, anyone?” you can hear the dealer when her face card is an Ace. Players can choose to insure their hands against a potential dealer's natural. The player is allowed to bet half of his initial bet. Is insurance a good side bet in blackjack? What are the odds? What is the house edge for insurance? As in the case of calculating the odds for a natural blackjack, the situation is fluid. The odds and therefore the house edge are proportionately dependent on the amount of 10-valued cards and total remaining cards in the deck.

We can devise precise mathematical formulas based on the Tens remaining in the deck. We know for sure that the casino pays 2 to 1 for a successful insurance (i.e. the dealer does have Ten as her hole card).

We start with the most easily manageable case: One deck of cards, one player, the very beginning of the game. There is a total of 16 Teens in the deck (10, J, Q, K). The dealer has dealt 2 cards to the player and one card to herself that we can see exactly — the face card being an Ace. Therefore, 52 – 3 = 49 cards remaining in the deck. There are 3 possible situations, axiomatic one:

• 1) The player has 2 non-ten cards; there are 16 Teens in the deck = the favorable situations to the player if taking insurance. There are 49 – 16 = 33 unfavorable cards to insurance. However, the 16 favorable cards amount to 32, as the insurance pays 2 to 1. The balance is 33 – 32 = +1 unfavorable situation to the player but favorable to the casino (the + sign indicates a casino edge). In this case, there is a house advantage of 1/49 = 2%.
• 2) The player has 1 Ten and 1 non-ten card; there are 15 Teens remaining in the deck = the favorable situations to the player if taking insurance. There are 49 – 15 = 34 unfavorable cards to insurance. However, the 15 favorable cards amount to 30, as the insurance pays 2 to 1. The balance is 34 – 30 = +4 unfavorable situations to the player but favorable to the casino. In this case, there is a house advantage of 4/49 = 8%.
  • This can be also the case of insuring one's blackjack natural: an 8% disadvantage for the player.
  • This figure of 8% represents the average house edge regarding the insurance bet. I did calculations for various situations — number of decks and number of players.
• 3) The player has 2 Ten-count cards; there are 14 Teens in the deck = the favorable situations to the player if taking insurance. There are 49 – 14 = 35 unfavorable cards to insurance. However, the 14 favorable cards amount to 28, as the insurance pays 2 to 1. The balance is 35 – 28 = +7 unfavorable situations to the player but favorable to the casino. In this case, there is a house advantage of 7/49 = 14%. This is the worst-case scenario: The player should never — ever — even think about insurance with that strong hand of 2 Tens!

Believe it or not, the insurance can be a really sweet deal if there are multiple players at the blackjack table! Let's say, 5 players, the very beginning of the game. There is a total of 16 Teens in the deck (10, J, Q, K). The dealer has dealt 10 cards to the players and one card to herself that we can see exactly — the face card being an Ace. Therefore, 52 – (10 + 1) = 41 cards remaining in the deck. There are many more possible situations, some very different from the previous scenario:

• 1) The players have 10 non-ten cards; there are still 16 Tens in the deck = the favorable situations to the player if taking insurance. There are 41 – 16 = 25 unfavorable cards to insurance. However, the 16 favorable cards amount to 32, as the insurance pays 2 to 1. The balance is 25 – 32 = –7 favorable situation to the player but unfavorable to the casino (the – sign indicates a player advantage now). In this case, there is a house advantage of 7/41 = –17%. The Player has a whopping 17% advantage if taking insurance in a case like this one!
• 2) The players have 10 Ten-count cards; there are 6 Teens in the deck = the favorable situations to the player if taking insurance. There are 41 – 6 = 35 unfavorable cards to insurance. However, the 6 favorable cards amount to 12, as the insurance pays 2 to 1. The balance is 35 – 12 = +23 unfavorable situations to the player but favorable to the casino. In this case, there is a house advantage of 23/41 = 56%. This is the worst-case scenario: None of the players should ever even think about insurance with those strong hands of 2 Tens per capita!
• 3) Applying the wise aurea mediocritas adagio, there should be an average of 3 or 4 Teens coming out in 11 cards; thus, 12 or 13 Tens remaining in the deck. There are 41 – 13 = 28 unfavorable cards to insurance. However, the 12.5 favorable cards amount to an average of 25, as the insurance pays 2 to 1. The balance is 30 – 25 = +5 unfavorable situations to the player but favorable to the casino. In this case, there is a house advantage of 5/41 = 12%. Unfortunately, even if we consider averages, taking insurance is a repelling bet for the player.

A formula? It would look complicated symbolically, but it is very easy to follow.

HA = {(R – T) – T*2} / R

where —

• HA = house advantage
• R = cards remaining in the deck
• T = Tens remaining in the deck.

• Axiomatic one, buying (taking) insurance can be a favorable bet for all blackjack players, indeed. Of course, under special circumstances — if you see certain amounts of ten-valued cards on the table. The favorable situations are calculated by the formula above.
But, then again, a dealer natural 21 occurs about 5%- of the time — the insurance alone won't turn the blackjack game entirely in your favor.

3. Calculate Blackjack Double-Down Hands

Strictly-axiomatic colleague of mine, writing software leads me into new-ideas territory far more often than not. I discovered something new and intriguing while programming software to calculate the blackjack odds totally mathematically. By that I mean generating all possible elements and distinguishing the favorable elements. After all, the formula for probability is the rapport of favorable cases, F, over total possible cases, N: p = F/N.

Up until yours truly wrote such software, total elements in blackjack (i.e. hands) were obtained via simulation. Problem with simulation is incomplete generation. According to by-now famed Ion Saliu's Probability Paradox, only some 63% of possible elements are generated in a simulation of N random cases.

I tested my software a variable number of card decks and various deck compositions. I noticed that decks with lower proportions of ten-valued cards provided higher percentages of potential double-down hands. It is natural, of course, as Tens are the only cards that cannot contribute to a hand to possibly double down. However, the double-down hands provide the most advantageous situations for blackjack player. Indeed, it sounds like 'heresy' to all followers of the cult or voodoo ritual of card counting!

I rolled up my sleeves and performed comprehensive calculations of blackjack double-downs (2-card hands). The single deck is mostly covered, but the calculations can be extended to any number of decks.

At the beginning of the deck (shoe): Total combinations of 52 cards taken 2 at a time is C(52, 2) = 1326 hands. Possible 2-card combinations that can be double-down hands:

• 9-value cards AND 2-value cards: 4 9s * 4 2s = 16 two-card possibilities
• 8-value cards AND 2-value cards: 4 8s * 4 2s = 16 two-card configurations
• 8-value cards AND 3-value cards: 4 8s * 4 3s = 16 two-card possibilities
• 7-value cards AND 2-value cards: 4 7s * 4 2s = 16 two-card configurations
• 7-value cards AND 3-value cards: 4 7s * 4 3s = 16 two-card possibilities
• 7-value cards AND 4-value cards: 4 7s * 4 4s = 16 two-card configurations
• 6-value cards AND 3-value cards: 4 6s * 4 3s = 16 two-card configurations
• 6-value cards AND 4-value cards: 4 6s * 4 4s = 16 two-card combinations
• 6-value cards AND 5-value cards: 4 6s * 4 5s = 16 two-card possibilities
• 5-value cards AND 4-value cards: 4 5s * 4 4s = 16 two-card combinations
• 5-value cards AND 5-value cards: C(4, 2) = 6 two-card hands (5 + 5 can appear 6 ways).
• Ace AND 2-value cards: 4 As * 4 2s = 16 two-card combinations
• Ace AND 3-value cards: 4 As * 4 3s = 16 two-card possibilities
• Ace AND 4-value cards: 4 As * 4 4s = 16 two-card hands
• Ace AND 5-value cards: 4 As * 4 5s = 16 two-card possibilities
• Ace AND 6-value cards: 4 As * 4 6s = 16 two-card hands
• Ace AND 7-value cards: 4 As * 4 7s = 16 two-card combinations.
• Total possible 2-card hands in doubling down configuration: 262. Not every configuration can be doubled down (e.g. 4+5 against Dealer's 9 or A+2 against 7).
• We look at a double down blackjack basic strategy chart. Some 42% of the hands ought to be doubled-down (strongly recommended): 262 * 0.42 = 110. That figure represents 8% of total possible 2-hand combinations (1362), or a chance equal to once in 12 hands.
• The chance for double-down situations increases with an increase in tens out over the one third cutoff count. The probability for a natural blackjack decreases also — one reason the traditional plus-count systems anathema the negative counts. But what's lost in naturals is gained in double downs — and then some.
• A sui generisblackjack card-counting strategy was devised by yours truly and it beats the traditionalist plus count systems hands down, as it were.
• Be mindful, however, that nothing beats the The Best Casino Gambling Systems: Blackjack, Roulette, Limited Martingale Betting, Progressions. That's the only way to go, the tao of gambling.

4. Calculate Blackjack Pairs: Strict or Mixed Ten-Cards

The odds-calculating software I mentioned above (section III) also counts all possible blackjack pairs. The software, however, considers pairs to be two cards of the same value. In other words, 10, J, Q, K are treated as the same rank (value). My software reports data as this fragment (single deck of cards):

Mixed Pairs: All 10-Valued Cards Taken 2 at a Time

Evidently, there are 13 ranks. Nine ranks (2 to 9 and Ace) consist of 4 cards each (in a single deck). Four ranks (the Tenners) consist of 16 cards. Total of mixed pairs is calculated by the combination formula for every rank. C(4, 2) = 6; 6 * 9 = 54 (for the non-10 cards). The Ten-ranks contribute: C(16, 2) = 120. Total mixed pairs: 54 + 120 = 174. Probability to get a mixed pair: 174 / 1326 = 13%.

Strict Pairs: Only 10+10, J+J, Q+Q, K+K

But for the purpose of splitting pairs, most casinos don't legitimize 10+J, or

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Q+K, or 10+Q, for example, as pairs. Only 10+10, J+J,

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Q+Q, K+K are accepted as pairs. Allow me to call them strict pairs, as opposed to the above mixed pairs.

There are 13 ranks of 4 cards each. Each rank contributes C(4, 2) = 6 pairs. Total strict pairs: 13 * 6 = 78. Probability to get a mixed pair: 78 / 1326 = 5.9%.Total strict pairs = 78 2-card hands (5.9%, but...).

However, not all blackjack pairs should be split; e.g. 10+10 or 5+5 should not be split, but stood on or doubled down. Only around 3%

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of strict pairs should be legitimately split. See the optimal split pairsblack jack strategy card.

5. Free Blackjack Resources, Basic Strategy, Casino Gambling Systems

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• Blackjack Mathematics Probability Odds Basic Strategy Tables Charts.
• The Best Blackjack Basic Strategy: Free Cards, Charts.
  ~ All playing decisions on one page — absolutely the best method of learning Blackjack Basic Strategy (BBS) quickly (guaranteed and also free!)
• Blackjack Gambling System Based on Mathematics of Streaks.
• Blackjack Card Counting Cult, Deception in Gambling Systems.
• The Best Blackjack Strategy, System Tested with the Best Blackjack Software.
• Reality Blackjack: Real, Fake Odds, House Advantage, Edge.

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