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History
The word baccarat is derived from the Italian word baccara, meaning zero,
and refers to the zero value given to all of the face cards and tens. In
Europe, the elegant game of baccarat is one of the most popular casino
games. It has long held the attention of gamblers and an early version was
played with cards from a Tarot deck back in the Middle Ages. Baccarat may
have originated in Italy around 1490, but by the early1950's it had become
the game of choice for the French nobility.
GAME PLAY
Baccarat is played with either six or eight complete decks of cards. All
cards, ace through nine, are valued according to their count. Tens and face
cards count as zero. When any two cards total over a 10 count, 10 must be
subtracted and the remaining total is the card count. The cards are shuffled
by the dealer and then reshuffled and placed in a covered box called the
shoe. As part of the formality, each player gets a turn to handle the shoe,
and the caller explains exactly what to do. The player is expected to bet
the bank when holding the shoe, but any player may decline the shoe and pass
it along to the next player. The caller receives the cards from the player
with the shoe, places them in the appropriate boxes and then calls for
another card or declares the winner, according to the rigid rules of the
game.
The fixed rules of baccarat apply in all American casinos:
The highest total any baccarat hand can have is nine. A two-card total of
nine is called a natural and cannot lose. An eight is the second best hand
and is also called a natural. If both player and bank are dealt identical
hands, it is a tie and neither bank nor player wins.
If neither hand has a natural, the player's hand is always the first to be
played, followed by the dealer. If the first two cards total five or less,
another card is drawn. If they total six or seven, no further cards can be
drawn.No more than a total of three cards can be drawn for either hand, and
when both hands have been played out, the hand closest to nine wins.
Players bet by placing their chips in either the player, bank, or tie spot
in the numbered box opposite their seat. Winning bets made on the player or
bank are paid off at even money. The only other bet that can be made is a
tie bet, which is paid off at 8:1. In most games, bets range from a $20
minimum to $2,000 maximum. The type of wager and the amount are the only
decisions a player must make, after which point the dealer's actions take
over. After the winner is announced, the two other dealers at the table pay
off the winning bets and collect from the losers. If the bank was the
winner, players who won must pay a 5% commission on their winnings. A record
of the commission owed by each player is kept with plastic lammers in a
numbered box. Players can pay this vigorish at any time, but it must be paid
when the shoe is completed. Each time the shoe is depleted of cards, all
decks are thoroughly shuffled and replaced in the shoe.The house edge in
baccarat is the lowest of any casino game. With only a 5% commission on
winning bank bets and nothing taken from winning player bets, the player's
disadvantage is only 1.37%. The payoff for ties is 8:1, but it is a bad bet
as the house edge is increased to 14.1%.
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