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Before any cards are dealt, the player must wager. He does this by placing his bet in the designated space in front of his table position. The dealer then deals two cards to each of the players, and two to himself (one of the dealer's cards is dealt face up and one is dealt facing down) Face cards (kings, queens and jacks) count as 10, ace counts as one or 11 (as the player chooses) and all other cards are counted at their face value. BLACKJACK - If the player's first two cards are an ace and a 10 or face card, he wins. A winning blackjack pays the player 3 to 2. Going over 21 is called "Busting. The dealer must draw cards until they have at least 17 and must stand at 17 or higher. Hit - If you are not pleased with the total of your first two cards, you can draw additional card(s) until you stand or bust. 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. 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. Depending on the game, the player's are either dealt their cards face up or face down. Note that at many online casinos, if you split two aces, you get only one additional card for each hand. When you split two aces and one of your hands totals 21, this is not blackjack, it's 21. SURRENDER - Where permitted, a player may give up his first two cards and lose only one-half his original bet. 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. Play and win! If the dealer's hand is between 17 and 21, he or she may not draw any additional card. When surrender is available, if you are not pleased with the cards you were dealt, you may give them up and lose half of your bet.