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In the latter case, the player loses and the dealer collects the bet wagered. The player to the left goes first and must decide whether to «stand» (not ask for another card) or «hit» (ask for another card in an attempt to get closer to a count of 21, or even hit 21 exactly). If the face-up card is not a ten-card or an ace, they do not look at the face-down card until it is the dealer’s turn to play. If the dealer’s face-up card is a ten-card or an ace, they look at their face-down card to see if the two cards make a natural.
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- If the dealer goes over 21, the dealer pays each player who has stood the amount of that player’s bet.
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Once that round of play is over, the dealer shuffles all the cards, prepares them for the cut, places the cards in the shoe, and the game continues. When a blackjack occurs for the dealer, of course, the hand is over, and the players’ main bets are collected – unless a player also has blackjack, in which case it is a stand-off. If it is a ten-card, it is turned up, and those players who have made the insurance bet win and are paid double the amount of their half-bet – a 2 to 1 payoff. When the player’s turn comes, they place a bet equal to the original bet, and the dealer gives the player just one card, which is placed face down and is not turned up until the bets are settled at the end of the hand. Also, if a ten-card is dealt to one of these aces, the payoff is equal to the bet (not one and one-half to one, as with a blackjack at any other time). The combination of an ace with a card other than a ten-card is known as a «soft hand,» because the player can count the ace as a 1 or 11, and either draw cards or not.
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