Game Rules Specified for a Blackjack-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 that the outcome of the game will be the player’s hand wins. If the player wins the game wager with a hand that includes a predetermined combination of cards, then the player also wins 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. Any hand that includes a Joker has a value of 27 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 Nine of Diamonds, and a King of Clubs as “hard twenty-three”.
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Initial Hands That Have A Value Of Twenty-Seven Points

Any hand that includes a 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.

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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 hands are predetermined-stalemating-complete hands.

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.

If the hands are predetermined-stalemating-complete hands, then a predetermined outcome does occur. The outcome of the game is a stalemate.
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Form The Player’s Complete Hand(s)

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

The player and the dealer take turns playing their hands. The player goes first. If the player must play the player’s hand a certain way, then the dealer does not consult with the player for a decision on how to play the player’s hand. Otherwise the dealer does consult with the player for a decision on how to play the player’s hand. If the dealer does consult with the player for a decision on how to play the player’s hand, then the player has a set of options selected from the following group of options.

If the dealer’s hand total is at least equal to a hand total selected from a group consisting of hard twenty-three and soft twenty-five, and if the player’s hand total is less than the dealer’s hand total, then the player does not have the option to stand. Otherwise, the player has the option to stand.

If the player stands, then the player’s hand is complete.

The player has the option to hit.

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’s hand consists of two cards, and if the dealer’s hand total is less than a hand total selected from a group consisting of hard twenty-three and soft twenty-five, then the player has the option to double down.

If the player opts to double down, then the player doubles the game wager. The dealer deals one additional card to the player’s hand. Afterward, the player must stand.

If the player’s hand consists of two cards assigned identical point values, then the player has the option to split.

If the player opts to split, then the player places another game wager. The dealer splits the player’s hand into two post-split hands with each post-split hand consisting of one card.

Each post-split hand competes against the same dealer hand during the same round of play. Each post-split hand involves the player in the play of a game. The outcome of each game is independent of the outcome of all other games. Accordingly, the resolution of each game wager is independent of the resolution of all other game wagers.

The dealer selects a first of the two post-split hands.

The hand currently in play will be highlighted.

Subsequently, the player plays the first of the two post-split hands.

Splitting of post-split hands is not allowed.

Once the player completes the first post-split hand, the next post-split hand is played. Play then moves to the dealer.

If the player’s hand consists of two cards, and if the player’s hand is not a post-split hand, then the player has the option to surrender.

If the player opts to surrender, then the player’s hand is complete.

If the dealer’s hand total is less than a hand total selected from a group consisting of hard twenty-three and soft twenty-five, then the player must play the player’s hand a certain way under the following circumstances.

  • If the player’s hand consists of one card, then the player must hit.
  • If the player’s hand consists of at least two cards, if the player hits, and if the player’s hand total is subsequently less than a hand total selected from a group consisting of hard fifteen and soft twenty-four, then the player must hit.
  • If the player’s hand total is at least equal to a hand total selected from a group consisting of hard twenty-five and soft twenty-seven, then the player must stand.

If the dealer’s hand total is at least equal to a hand total selected from a group consisting of hard twenty-three and soft twenty-five, then the player must play the player’s hand a certain way under the following circumstances.

  • If the player’s hand consists of one card, then the player must hit.
  • If the player’s hand consists of two cards, if the player’s hand is a post-split hand, and if the player’s hand total is less than the dealer’s hand total, then the player must hit unless the player can split.
  • If the player’s hand consists of at least two cards, if the player hits, and if the player’s hand total is subsequently less than the dealer’s hand total, then the player must hit.
  • If the player’s hand is a hard hand, and if the player’s hand total is equal to the dealer’s hand total, then the player must stand.
  • If the player’s hand total is greater than the dealer’s hand total, then the player must stand.

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Determine Whether A Predetermined Outcome Occurs

After all player hands are complete, the dealer examines each game to the determines whether a predetermined outcome occurs in accordance with the following set of rules.

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, and if the player’s hand does not include a Joker, then the player’s hand is a predetermined-winning-complete hand.

If the player’s hand does consist of three cards, if each of the three cards is assigned a value of nine points, and if the player’s hand does not include a Joker, then the player’s hand is a predetermined-winning-complete hand.

If the player’s hand total exceeds hard twenty-seven, then the player busts. If the player busts, 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.

If the player surrenders, then a predetermined outcome does occur. The outcome of the game is the player surrenders.
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Form The Dealer’s Complete Hand

If a predetermined outcome does not occur in at least one game, 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-three 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-three 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’s hand is complete, the dealer examines each remaining game to determine 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 dealer busts, then the dealer’s hand is a predetermined-losing-complete hand.

If the dealer’s hand is a predetermined-losing-complete hand, then a predetermined outcome does occur. The outcome of the game is the player’s hand wins.
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Determine The Outcome Of Each Remaining Game

If a predetermined outcome does not occur in at least one game, then the dealer determines the outcome of each remaining 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 a stalemate and the hands push.

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Resolution Of The Game Wager(s)

The dealer resolves each 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 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 a stalemate, then the dealer returns the game wager to the player.
  • If the outcome of the game is the player surrenders, then the dealer splits the game wager into two equal halves, the dealer collects one half, and the dealer returns the other half to the player.

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Bonus Payouts For Predetermined Combinations Of Cards

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 unless the player’s hand is a post-split hand.
  • 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, and if the player’s hand does not include a Joker, 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, if each of said three cards is a card assigned a value of nine points, and if the player’s hand does not include a Joker, the dealer finds the player’s hand does include a predetermined combination of cards.

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

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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.

A game played with this particular set of rules gives the House an edge of as little as 0.67%. Accordingly, each ten dollar bet would cost a player about seven cents on average. That is true in the long run, if the player consistently uses basic strategy to make decisions on how to play the player’s hand.
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Basic Strategy

Basic strategy is the strategy for the play of the player’s hand that loses the least amount of money to the house in the long term with strictly average luck.

BSTable

A Total-Dependent-Basic-Strategy Table

A total-dependent-basic strategy is the basic strategy given a set of hand totals consisting of the player’s hand total and the dealer’s hand total. A total-dependent-basic-strategy table displays the total-dependent-basic strategy for each set of hand totals that is possible.

To use the total-dependent-basic-strategy table, find the cell located at the intersection of the row with the label corresponding to the player’s hand total and the column with the label corresponding to the dealer’s hand total. Use the playing option indicated by the letters(s) contained within said cell. If the letter(s) indicate a first option else a second option, then proceed as follows. If the game rules allow the player to use the first option, then use the first option, else use the second option.
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Player Hard

PlayerHardBS

Total-Dependent-Basic-Strategy Table for the Player’s Hard Hand Totals.

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Player Soft

PlayerSoftBS

Total-Dependent-Basic-Strategy Table for the Player’s Soft Hand Totals

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Player Pair

PlayerPairBS

Total-Dependent-Basic-Strategy Table for the Player’s Pairs

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Key

BSTableKey

Total-Dependent-Basic-Strategy Table Key

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