Game Rules Specified for a Baccarat-Like Finnish 27 ™ Game

Game Rules

Additional Information

Objective

The objective of the player is to win a game wager. The player wins a game wager by correctly betting on whether the outcome of the game will be the player’s hand wins, the dealer’s hand wins, or the hands push. If the player bets that the outcome of the game will be the player’s hand wins, and if the player wins the game wager with a hand that includes a predetermined combination of cards, then the player receives a bonus payout.
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Number Of Decks, Composition Of Each Deck, And Shuffling Procedures.

The dealer uses a six deck shoe. Each deck includes thirteen ranks
of each of four suits and two Jokers. The thirteen ranks are Two,
Three, Four, Five, Six, Seven, Eight, Nine, Ten, Jack, Queen, King,
and Ace. The four suits are Spades, Clubs, Hearts, and Diamonds. The
dealer shuffles the cards before the first round of play. The dealer
reshuffles the cards after the shoe is depleted of about four and a
half decks. The player is notified whenever the dealer reshuffles.
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Scoring

Points are totaled for each card in a hand. Face cards (Jack, Queen, and King) count respectively as 11, 12, and 13 points. If an Ace can be counted as 14 points without causing the hand total to exceed 27 points, then the Ace counts as 14 points. Otherwise, Aces count as 1 point. If a Joker is one of the first two cards dealt to the hand, then the Joker counts as any number of points required to make a hand total of 27 points. Otherwise, Jokers count as 0 points. All other cards are counted according to their numeric value.
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Playing Card Indices

Each card bears Finnish style indicia. The Finnish style has
indices 1, 13, 12, 11 appear on the Ace, King, Queen and Jack;
has no indices appear on the Joker; and has indices corresponding
to card rank appear on each of the remaining cards.

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Betting

To begin a round, the player places a bet.
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Dealing Initial Hands

After the player places a bet, the dealer deals initial hands. The dealer forms the player’s initial hand and the dealer’s initial hand by dealing a first card face up to the player, dealing a first card face up to the dealer, dealing a second card face up to the player, and dealing a second card face up to the dealer.
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Hard and Soft

There are two basic types of hands. If a hand includes an Ace counted as fourteen points, then the hand is a “soft” hand. Otherwise, the hand is a “hard” hand. If the sum of the point values assigned to the cards in a hard hand does exceed twenty-seven points, then the holder of the hand does bust. However, if the sum of the point values assigned to the cards in a soft hand does exceed twenty-seven points, then the value of the Ace counted as fourteen points changes to one point, and the soft hand becomes a hard hand.

A hand total is equal to the sum of the point values assigned to the cards in a hand. There are two basic types of hand totals. The rules describe the hand total of a soft hand as a soft total. For example, the rules describe the hand total of a soft hand consisting of an Ace of Spades and a Jack of Diamonds as “soft twenty-five”. The rules describe the hand total of a hard hand as a hard total. For example, the rules describe the hand total of a hard hand consisting of an Ace of Spades, a Ten of Diamonds, and a King of Clubs as “hard twenty-four”.
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Initial Hands That Have A Value Of Twenty-Seven Points

Any initial hand that includes at least one Joker has a value of twenty-seven points.

Therefore, the following are the three different types of initial hands that have a value of twenty-seven points:

  • A “Jo Jo” is an initial hand consisting of a pair of Jokers,
  • A “Finnish 27” is an initial hand consisting of an Ace and a King,
  • A “Joanca” is an initial hand consisting of a Joker and a card of any rank other than Joker.

Determine Whether A Predetermined Outcome Occurs

After the initial deal, the dealer determines whether a predetermined outcome occurs in accordance with the following set of rules.

  • Any initial hand that has a value of twenty-seven points is a predetermined-winning-complete hand except as noted below.
  • The predetermined set of game rules does rank the three types of initial hands that have a value of twenty-seven points in reverse order of their probabilities of occurrence.
    • The Jo Jo has the highest rank.
    • The Finnish 27 has a lower rank than the Jo Jo, and a higher rank than the Joanca.
    • The Joanca has the lowest rank.
  • If both the player and the dealer draw an initial hand that has a value of twenty-seven points, then the initial hand with the highest rank is a predetermined-winning-complete hand.
  • If both the player and the dealer draw an initial hand that has a value of twenty-seven points, and if the initial hand drawn by the player has the same rank as the initial hand drawn by the dealer, then the dealer’s hand is a predetermined-winning-complete hand.
  • If the player’s hand is a predetermined-winning-complete hand, then a predetermined outcome does occur. The outcome of the game is the player’s hand wins.
  • If the dealer’s hand is a predetermined-winning-complete hand, then a predetermined outcome does occur. The outcome of the game is the dealer’s hand wins.

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Form The Player’s Complete Hand

If a predetermined outcome does not occur, then the dealer forms the player’s complete hand in accordance with the following method of play.

The player and the dealer take turns playing their hands. The player goes first.

The player must play the player’s hand in accordance with a predetermined strategy. Accordingly, the dealer does not consult with the player for a decision on how to play the player’s hand.

The predetermined strategy specifies a target-numerical sum for the play of the player’s hard hands, and a target-numerical sum for the play of the player’s soft hands. If the player’s hand total is less than the target-numerical sum specified for the type of hand the player has, then the player must hit. If the player’s hand total is equal to or greater than the target-numerical sum specified for the type of hand the player has, then the player must stand.

If the player hits, then the dealer deals one additional card to the player’s hand thereby adding to the player’s hand total. If the player stands, then the player’s hand is complete.

The predetermined strategy can be summarized using the nine rules displayed in the following table.

If the dealer’s hand total is then hit to target-numerical sums
any hard total from 4 to 10 hard 23 and soft 25 (23/AJ)
any hard total from 11 to 14 hard 24 and soft 25 (24/AJ)
any hard total from 15 to 23 hard 23 and soft 25 (23/AJ)
any hard total from 24 to 26 greater than the dealer’s hand total
soft 25 or soft 26 greater than the dealer’s hand total
soft 24 hard 24 and soft 25 (24/AJ)
soft 23 hard 23 and soft 26 (23/AQ)
any soft total from 16 to 22 hard 24 and soft 26 (24/AQ)
soft 15 hard 25 and soft 26 (25/AQ)

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Determine Whether A Predetermined Outcome Occurs

After the dealer forms the player’s complete hand, the dealer determines whether a predetermined outcome occurs in accordance with the following set of rules.

  • If the player’s hand total is equal to twenty-seven points, then the player’s hand is a predetermined-winning-complete hand.
  • If the player’s hand total does exceed hard twenty-seven, then the player busts.
  • If the player does bust, and if the player’s hand total does exceed thirty-five points, then the player’s hand is a predetermined-losing-complete hand.
  • If the player’s hand is a predetermined-winning-complete hand, then a predetermined outcome does occur. The outcome of the game is the player’s hand wins.
  • If the player’s hand is a predetermined-losing-complete hand, then a predetermined outcome does occur. The outcome of the game is the dealer’s hand wins.

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Form The Dealer’s Complete Hand

If a predetermined outcome does not occur, then the dealer forms the dealer’s complete hand in accordance with the following predetermined strategy.

  • If the dealer’s hand total is less than a hand total selected from a group consisting of hard twenty-four and soft twenty-five, then the dealer must hit.
  • If the dealer’s hand total is at least equal to a hand total selected from a group consisting of hard twenty-four and soft twenty-five, then the dealer must stand.

If the dealer hits, then the dealer deals one additional card to the dealer’s hand thereby adding to the dealer’s hand total. If the dealer stands, then the dealer’s hand is complete.
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Determine Whether A Predetermined Outcome Occurs

After the dealer forms the dealer’s complete hand, the dealer determines whether a predetermined outcome occurs in accordance with the following set of rules.

  • If the dealer’s hand total exceeds hard twenty seven, then the dealer busts.
  • If the player does bust, if the dealer does not bust, and if the player’s hand total is closer to twenty-seven points than is the dealer’s hand total, then the dealer’s hand is a predetermined-stalemating-complete hand.
  • If the player does not bust, if the dealer does bust, and if the dealer’s hand total is closer to twenty-seven points than is the player’s hand total, then the dealer’s hand is a predetermined-stalemating-complete hand.
  • If the player does not bust, if the dealer does bust, and if the player’s hand total is as close to twenty-seven points as is the dealer’s hand total, then the dealer’s hand is a predetermined-stalemating-complete hand.
  • If the dealer’s hand is a predetermined-stalemating-complete hand, then a predetermined outcome does occur. The outcome of the game is the hands push.

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Determine The Outcome Of The Game

If a predetermined outcome does not occur, then the dealer determines the outcome of the game in accordance with the following set of rules.

  • If the player’s hand total is closer to twenty-seven points than is the dealer’s hand total, then the outcome of the game is the player’s hand wins.
  • If the dealer’s hand total is closer to twenty-seven points than is the player’s hand total, then the outcome of the game is the dealer’s hand wins.
  • If the dealer’s hand total is as close to twenty-seven points as is the player’s hand total, then the outcome of the game is the dealer’s hand wins.

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Resolution Of The Game Wager

If the player bets the outcome of the game will be the player’s hand wins, then the dealer resolves the game wager in accordance with the following set of rules.

  • If the outcome of the game is the player’s hand wins, then the dealer pays the player one to one odds (1:1) on the game wager.
  • If the outcome of the game is the dealer’s hand wins, then the dealer collects the game wager.
  • If the outcome of the game is the hands push, then the dealer returns the game wager to the player.

If the player bets the outcome of the game will be the dealer’s hand wins, then the dealer resolves the game wager in accordance with the following set of rules.

  • If the outcome of the game is the player’s hand wins, then the dealer collects the game wager.
  • If the outcome of the game is the dealer’s hand wins, then the dealer pays the player four to five odds (4:5) on the game wager.
  • If the outcome of the game is the hands push, then the dealer returns the game wager to the player.

If the player bets the outcome of the game will be the hands push, then the dealer resolves the game wager in accordance with the following set of rules.

  • If the outcome of the game is the player’s hand wins, then the dealer collects the game wager.
  • If the outcome of the game is the dealer’s hand wins, then the dealer collects the game wager.
  • If the outcome of the game is the hands push, then the dealer pays the player seven to one odds (7:1) on the game wager.

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Bonus Payouts For Predetermined Combinations Of Cards

If the player did bet the outcome of the game will be the player’s hand wins, and if the outcome of the game is the player’s hand wins, then the dealer examines the player’s hand in search of a predetermined combination of cards wherein:

  • If the player’s hand consists of an Ace and a King, then the dealer finds the player’s hand does include a predetermined combination of cards.
  • If the player’s hand consists of a pair of Jokers, then the dealer finds the player’s hand does include a predetermined combination of cards.
  • If the player’s hand does consist of a card assigned a value of eight points, a card assigned a value of nine points, and a card assigned a value of ten points, then the dealer finds the player’s hand does include a predetermined combination of cards.
  • If the player’s hand does consist of three cards, and if each of said three cards is a card assigned a value of nine points, then the dealer finds the player’s hand does include a predetermined combination of cards.
  • If the player’s hand does include a qualifying-five-card-poker hand, then the dealer finds the player’s hand does include a predetermined combination of cards.
  • If the player’s hand consists of at least five cards, then the dealer does complete all of the following steps to determine whether the player’s hand does include a qualifying-five-card-poker hand. The dealer uses memory of a predetermined set of hand-ranking rules to identify any example of the highest-ranking-five-card-poker hand that can be made from any choice of five of the at least five cards in the player’s hand. If the category of said any example is better than high card, then the dealer finds the player’s hand does include a qualifying-five-card-poker hand consisting of said any example.
  • The predetermined set of hand-ranking rules does specify ten categories of five-card-poker hand and assigns a rank to each so that when arranged in order from lowest ranking to highest ranking the ten categories of five-card-poker hand are high card, one pair, two pair, three-of-a-kind, straight, full house, four-of-a-kind, flush, straight-flush, and five-of-a-kind. The predetermined set of hand-ranking rules does rank individual cards so that when arranged from lowest ranking to highest ranking the individual cards of each suit are 2, 3, 4, 5, 6, 7, 8, 9, 10, Jack, Queen, King, and Ace. An Ace can appear as the lowest ranking card as when part of a hand selected from a group consisting of an Ace-2-3-4-5 straight and an Ace-2-3-4-5 straight-flush. The predetermined set of hand-ranking rules does specify the use of individual card ranks to rank hands in the same category. The predetermined set of hand-ranking rules does specify use of suits to determine whether a hand belongs to a category of five-card-poker hand selected from a group consisting of a flush and a straight-flush. The predetermined set of hand-ranking rules does specify the step of assigning a wild card value to each Joker in a hand so that the point value of said each Joker remains zero points, and so that said each Joker can be used to represent the rank and suit of any card.

If the player did bet the outcome of the game will be the player’s hand wins, if the outcome of the game is the player’s hand wins, and if the player’s hand does include a predetermined combination of cards, then the dealer pays the player a bonus in accordance with the following pay table.

Predetermined Combination of Cards Bonus Payout
Finnish 27 (an Ace and a King) 1:2 odds
Jo Jo (a pair of Jokers) 1:1 odds
8-9-10 mixed suits 1:2 odds
8-9-10 hearts, clubs, or diamonds 1:1 odds
8-9-10 spades 2:1 odds
9-9-9 mixed suits $90
9-9-9 same suit $990
9-9-9 and any 9-9 initial dealer’s hand $9,990
Pair 1:5 odds
Two Pair 1:1 odds
Three of a Kind 2:1 odds
Straight 3:1 odds
Full House 4:1 odds
Four of a Kind 5:1 odds
Flush 6:1 odds
Straight Flush 7:1 odds
Five of a Kind 8:1 odds

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House Edge

The house edge is the average portion of the game wager that the house can expect to retain in the long term with strictly average luck. The house edge is expressed as a percentage of the game wager. A positive percentage indicates a long term gain. A negative percentage indicates a long term loss.

In the long term, the probabilities of each of the possible outcomes are as follows:

  • In 40.09% of all games the outcome is the player’s hand wins.
  • In 48.88% of all games the outcome is the dealer’s hand wins.
  • In 11.03% of all games the outcome is the hands push.

In the long term, the house has an edge regardless of how the player bets.

  • If the player bets that the outcome of the game will be the player’s hand wins, then the house edge is equal to about 1.55%. 1.55% is equal to the difference of the 48.88% of all game wagers collected by the house because the outcome of the game is the dealer’s hand wins minus the sum of the 40.09% of all game wagers paid off at one to one odds because the outcome of the game is the player’s hand wins plus the 7.24% improvement in the expected value of the game wager caused by the addition of rules to specify that the dealer pays bonuses to the player for player hands that both win the game and include a predetermined combination of cards.
  • 1.55% = 48.88% – (40.09% + 7.24%).
  • If the player bets that the outcome of the game will be the dealer’s hand wins, then the house edge is equal to about 0.99%. 0.99% is equal to the difference of the 40.09% of all game wagers collected by the house because the outcome of the game is the player’s hand wins minus the 48.88% of all game wagers paid off at four to five odds because the outcome of the game is the dealer’s hand wins.
  • 0.99% = 40.09% – 48.88% * 4/5.
  • If the player bets that the outcome of the game will be the hands push, then the house edge is equal to about 11.76%. 11.76% is equal to the difference of the 88.97% of all game wagers collected by the house because the outcome of the game is not the hands push minus the 11.03% of all game wagers paid off at seven to one odds because the outcome of the game is the hands push.
  • 11.76% = 88.97% – 11.03% * 7.

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