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Caribbean 21 allows players to split any two initial cards and to hit and redouble after doubling. This game is appealing because the house advantage is lower than in most blackjack variants. The rules for Caribbean 21 are as follows.
1) Caribbean 21 is played with eight standard 52-card decks.
2) Aces are always worth one point only. They have no special restrictions as in standard blackjack, and have the same splitting regulations as cards of other values.
3) The game begins with the player making an initial wager.
4) The player gets two cards face up, the dealer gets one card face up.
5) The dealer does not take a hole card.
6) Hitting and standing are the same as in standard blackjack.
7) The player may double at any time with two or more cards.
8) Splitting is permitted on any two cards.
9) After the player splits, each of his hands immediately gets another card.
10) Surrendering is permitted at any time. Upon surrendering, the player forfeits half his total bet.
11) An ace and two ten point cards is called a "Caribbean 21" and beats any other 21 combination.
12) The dealer wins all ties.
13) A "Caribbean 21" pays 3 to 2 on the initial hand. In all other instances, a winning player bet pays even money.
14) When the dealer's up card is an ace the player can take insurance against the dealer having a Caribbean 21. Insurance can be taken at any time and for any amount not exceeding half the total wager at the time the insurance is taken. Insurance pays 9 to 1 if the dealer gets two 10 point cards as his second and third cards. The insurance bet is settled at the end of the hand. A player can also increase the insurance bet at any time, so long as it does not exceed half the total bet.
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