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=========================================   Thursday, January 10, 2002
Baccarat - History and Rules

Hello everyone,

As the new Baccarat system will be released next week, it would be a good idea to solidify the rules of Baccarat and take a look at the game from a perspective of history, odds, and what one needs to know in order to join the game.

No other casino game comes close to the elegance of baccarat, which has always attracted the premier players from Europe and the Orient.

By tradition, the baccarat pit is usually set aside from the main casino area, away from all of the "common" games, and "common" players. Casinos spare no expense when it comes to designing and decorating a baccarat pit. Tuxedoed dealers and extravagant decor lure high-rollers (often referred to as "whales") and discourage the average player.

If you want to see the world's rich and famous at play, a baccarat table at any major casino is the most likely place to find them. In the U.S., more money is won and lost in a single session of play at baccarat than at any other casino game.

In February of 1990, the late Akio Kashiwagi, who at one time was the world's highest-roller, made history books when he won over $6 million at an Atlantic City baccarat table. Playing in Atlantic City's Trump Plaza Casino, and betting $200,000 a hand, Mr. Kashiwagi, also known as "The Warrior," put a significant dent in the Plaza's bottom line for the month. But like all winners, he came back for more. The following May, after six grueling days of play, Kashiwagi made the record books for the second time. Losing close to $10 million, the Warrior recorded the largest loss at a baccarat table in casino history.

The history behind baccarat is very interesting. In the 1500s, it was introduced to French aristocrats looking for a new and exciting game of chance by their Italian counterparts. They called it "chemin de fer," the French term for railroad. In the 19th century, when the game became fashionable on the French Riviera, players nicknamed it "chemmy" or "shimmy." Chemin de fer traveled from Europe to South America and found a new home in Argentina. Casinos in Mar Del Plata became a gambling paradise for wealthy South Americans. When the game reached Cuba, it underwent the rules change that turned it into baccarat (in baccarat each player bets against the house; in chemin de fer, players bet among themselves).

Baccarat as we know it today came to America via Cuba. In 1958, at Havana's Capri Hotel, a young casino executive named Francis "Tommy" Renzoni, spent countless hours watching gamblers play baccarat. When Fidel Castro's army defeated Cuban dictator Fulgencio Batista, Castro closed all of the casinos in Havana. Three months later he reopened them, but the North American gamblers didn't return, and in 1959 Renzoni left Cuba and settled in Nevada.

Renzoni persuaded the owners of Sands Hotel to open up a baccarat pit. But the game was not an overnight success in the United States. The roped-off pit and the game's sophisticated aura intimidated American gamblers, who at the time were mostly Craps players who had picked up a liking for the dice during military service in World War II.

Baccarat is a simple game to play. Two hands are dealt: One for the "player," and one for the "banker." The hand with the single-digit point count closer to nine wins. Picture cards, 10s and any combination of cards totalling 10 have no value. All other cards are counted at face value; An ace is one, a deuce is two, etc. Thus, a hand containing an 8 and a 6 equals four (8 + 6 = 14 - 10 = 4). There are fixed rules governing the drawing of additional cards.

A dealt total of 8 or 9 points is called a natural, and no additional cards will be drawn. It is an automatic win unless the opposing hand has a higher natural (a 9 vs. an 8), or the hand is a tie.

A natural of 8 points is called le petit, a total of nine, le grande.  On all other totals, 0 through 7, the drawing of an additional card depends strictly on established rules of play. There is never more than one card drawn to a hand in any case.

The player need not be familiar with the rules for drawing on the third card for the caller will direct the action and request that a third card be drawn if the rules require it. Just follow the caller's instructions - as easy as that!

The Player's hand will be acted upon first, and then the Banker's. Despite the different variations of baccarat, the third card rules for draw are consistent for games around the world.

The two card total of the Player's hand determines whether a third card should be drawn and is regulated by the following rules:

Player Rules

Two Card Total      Player's Action

    0-5                       Draw a card
    6 or 7                   Stand
    8 or 9                   Natural.   Banker cannot draw.

After the Player's hand has been acted upon, it is the Banker's turn.  Whether the Banker position receives a card depends upon two variables.  In some cases, it depends upon his two card total, and other times, it depends upon the card that the Player position has drawn.

If the Banker hand is 0, 1 or 2, a card is drawn, while with hands of 7, 8 and 9, no cards are drawn.  The other Banker totals of 3, 4, 5 and 6 are drawn upon depending upon what card the Player position has drawn.

Rules for drawing or standing can be broken up as follows.

Situation 1: Either the Player or the Banker has a natural 8 or 9.  It is an automatic win for the hand with the natural.  If both hands have naturals, the higher natural wins.  A natural 9 beats a natural 8.  If the naturals are equal, the hand is a tie.

Situation 2:  If the Player has a 0-5, Player must draw another card; if a 6-7, the Player must stand.

Situation 3: If Player stands, then Banker hand follows the same rules as the Player - it must draw on totals of 0-5, and stand on 6-7.

Situation 4: If Player draws, Banker must draw or stand according to the value of the third card dealt as shown below in the Banker Rules chart.  Note that the Banker always draws on totals of 0-2, unless of course, the Player has a natural.

Banker Rules

Banker        Bank Draws                     Bank Does Not Draw
Total           When Giving                     When Giving
                    Player This Card             Player This Card

0-2                       0-9                                          
  3                         0-7,9                                      8
  4                         2-7                                     0-1,8-9
  5                         4,5-7                                  0-3,8-9
  6                         6-7                                     0-5,8-9
  7                Banker Always Stands
8-9             A Natural - Player Can't Draw

Good thing, it's only for the dealer to remember those rules and not for the player.  For system developers, it's a challenge to come up with some kind of a card counting method, and I haven't seen a successful one.  With the above rules, that are much more complex than in Blackjack, it makes it very complicated to build such a method.  Flat Bet Mini Play deals with the resulting outcome and takes advantage of unavoidable streaks, chops and other patterns that are formed.

Baccarat calls for just a few decisions: How much to bet and whether to bet on the bank, on the player or on a tie. Seasoned players avoid betting on ties, and for good reason. The casino will pay nine for one odds (which is really eight to one) if you bet that a hand will tie and it does. The casino advantage on this bet is over 14%. The casino has a 1.06% edge on the banker's hand, and a 1.24% edge on the player's hand. This percentage might lead you to assume that you're better off betting with the banker. But keep in mind that the casino charges a commission of 5% on your winnings when betting with the banker.

Some players write down the results of every hand on a scorecard (called "table de banque" in French), hoping to find a pattern that will help them predict the outcome of the following hand.  Flat Bet Mini Play will do that for you automatically.

The game is easy and fun to play. It's not like blackjack, where one person's "dumb" play can affect the outcome of that hand for everyone at the table. In baccarat there is no such thing as a dumb play. The way you play has no effect on the other players.

In the meantime, DC-7, the Incredible Craps System is doing really great.   Positive feedback keeps coming in.  I recently found the following post in the discussion forum:

"I seldom post on these boards because I am not interested in a 2-way dialog; I use this to obtain and develop ideas. I make this exception because I actually have something positive to say about a system, which is a first in my experience.

I have played 12 hours "live" at the Grand in Tunica, testing with $1 units. Flat-betting only, I averaged 5.2 units /hr. Never down more than 2 units. I have thus far tested it through the first 32 pages of the Zumma system-tester book and have seen averages (both flat betting and with progression) in line with what the author claimed in the other tester book. The most I was down at any given time was 6 units; just playing it out, it came right back and went positive. Please note that my testing thus far is obviously only a very small sample of results. For myself, I will feel that I have something conclusive when I have gone all the way through the system tester book and have at least 50 hours of live results. When I have these, I will post all the relevant detailed statistics. I doubt I will have all of this for at least 10 weeks.
The other person I went in with to purchase the system is retired and lives much closer to a casino than I do - he has spent a lot more live time testing than I have (he has not done anything with a tester book). He says he has had spectacular results and is now comfortable using $50 units, although he provided no exact details or numbers."   Mike S.

Read more about DC-7 and Frequently Asked Questions at

Today is the last day to take advantage of the year-end specials.  If you purchase items that total $300, you can have an additional system of your choice for free, excluding DC-7.  Since the newsletter is coming late in the evening, I will extend this offer to include the weekend, until midnight Eastern Time, Sunday January 13, 2002.

Wishing you all the best,
Until next week,


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