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Caribbean 21 is a blackjack variant offered by Real Time Gaming Internet
casinos. The game offers the player the ability to split any two initial
cards and to hit and redouble after doubling. Of coruse nothing is
ever free and the player loses all ties. There are several other rule
changes from blackjack so read carefully before playing. Following
the basic strategy below the game offers a house edge lower than most
blackjack games.
Rules
The game is played with eight regular 52-card decks.
All cards are valued as in blackjack, except an ace is always one
point.
Play starts with the player making an initial wager.
The player shall receive two cards face up and the dealer one card
face up. The dealer does not take a hole card.
The player may hit, stand, double, split, or surrender. The hit and
stand option are the same as in conventional blackjack.
The player may double at any time with two or more cards. This includes
redoubling and doubling after a split.
Splitting is allowed on any two cards. Aces have no special restrictions
as in blackjack and have the same splitting rules as other cards.
After the player splits, each single card hand in turn shall immediately
get an additional card.
The player may surrender at any time. If the player surrenders he
forfeits half his total bet at that time. Surrender is allowed after
splitting on a hand by hand basis.
An ace and two 10-point cards is called a "Caribbean 21"
and is ranked higher than all other 21 point hands, including after
splitting.
The dealer shall win all ties.
A winning player bet shall pay even money, except for a Caribbean
21 which pays 3-2 on the initial hand only.
If the dealer's up card is an ace then the player may take insurance
against the dealer having a Caribbean 21. Insurance may be taken at
any time and for any amount up to half the total bet at the time insurance
is taken. Insurance shall pay 9 to 1 if the dealer does get two 10-point
cards as the second and third cards. The insurance bet shall be adjudicated
at the end of the hand. The player may also add to the insurance bet
at any time, so that the total insurance bet does not exceed half
the total wager.
House Edge
The house edge following the basic strategy above is 0.19%. The
average final bet size is 1.8 units so the element of risk is 0.11%.
The standard deviation is 1.62.
The house edge on insurance is 5.38%.
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