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In Blackjack, the objective is to try to beat the dealer by getting closer to 21. If you have a blackjack hand, you win 3:2 times your bet (example - a $5 bet will win $7.50), as long as the dealer does not have blackjack. Aces have a value of either 1 or 11, face cards as 10 and the cards that are left are valued as their face numbers. Because you can play an Ace either way, a hand with an ace is called a soft hand. If the total of your hand is over 21, you'll bust and lose your bet. A winning blackjack pays the player 3 to 2. The dealer must draw cards until they have at least 17 and must stand at 17 or higher. If the player hits and busts (goes over 21), he immediately turns his cards over and his wager is lost. Players place their bets prior to the cards being dealt. SPLITTING PAIRS - If the first two cards a player is dealt are a pair, he may split them into two separate hands, bet the same amount on each and then play them separately. Once all bets are placed, each player and the dealer will receive two cards. If you have been dealt two cards and think that a third card may give you a chance to beat the dealer's hand, you can double down. INSURANCE - If the dealer's up card is an ace, the player may take insurance, a bet not exceeding one-half his original bet. If the dealer's down card is a 10 or any face card, the player wins 2 to 1. When you split two aces and one of your hands totals 21, this is not blackjack, it's 21. Jacks, Queens and Kings always have a value of 10. Insurance is not recommended and is considered a separate game/bet of its own. When you think that the dealer has blackjack, it gives you a chance to guard your bet. If the dealer has blackjack, the insurance pays 2:1, matching the amount of your original bet. If you and the dealer both have blackjack, the game ends in a push.