Game Rules Specified for a No-Bust 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. 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.

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.

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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 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. 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 the following options.

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 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 player must play the player’s hand a certain way under the following circumstances.

  • If the player’s hand total is less than a hand total selected from a group consisting of hard twenty-one 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-four 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 total is not greater 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 greater than the dealer’s hand total, then the player must stand.
  • If the player’s hand is a soft hand, and if the player’s hand total is soft twenty-seven, then the player must stand.

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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 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 total does exceed hard thirty-five, then the player’s hand is a predetermined-losing-complete hand.
  • 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 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

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 on the game wager.
  • If the outcome of the game is the dealer’s hand wins, then the dealer collects the game wager.

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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.
  • 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 a pair, 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 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 9 times the table minimum
9-9-9 same suit 99 times the table minimum
9-9-9 and any 9-9 initial dealer’s hand 999 times the table minimum
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.

A game played with this particular set of rules gives the House an edge of as little as 1.3%. Accordingly, each ten dollar bet would cost a player about thirteen 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.

Basic strategy varies in accordance with the chances of the player making a complete hand that includes a qualifying-five-card-poker hand, and varies in accordance with the dealer’s hand total.

If the player’s initial hand does consist of two cards assigned high point values, then there is a lesser chance of the player making a complete hand that includes a qualifying-five-card-poker hand.

The basic strategy for games wherein the player’s initial hand does consist of two cards assigned high point values, can be summarized using the five rules for the play of the player’s hand displayed in the following table.

If the dealer’s hand total is then hit to target-numerical sums
any hard total from 4 to 19 hard 25 and soft 26 (25/AQ)
any hard total from 20 to 23 hard 24 and soft 25 (24/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
any soft total from 15 to 24 hard 25 and soft 26 (25/AQ)

 

If the player’s initial hand does consist of two cards assigned low point values, then there is a greater chance of the player making a complete hand that includes a qualifying-five-card-poker hand.

The basic strategy for games wherein the player’s initial hand does consist of two cards assigned low point values, can be summarized using the five rules for the play of the player’s hand displayed in the following table.

If the dealer’s hand total is then hit to target-numerical sums
any hard total from 4 to 22 hard 25 and soft 26 (25/AQ)
hard 23 hard 25 and soft 27 (25/AK)
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
any soft total from 15 to 24 hard 25 and soft 26 (25/AQ)

 

In games wherein the basic strategy calls for the player to stand, and the player’s hand consists of four of the five cards needed to make a qualifying-five-card-poker hand, the player should weigh the risk of losing the game against the potential reward of winning the game with a complete hand that includes a qualifying-five-card-poker hand. If the potential reward of winning the game with a complete hand that includes a qualifying-five-card-poker hand appears to outweigh the risk of losing, then the player should override basic strategy and hit.

Otherwise the player should follow basic strategy and stand.
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