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Before any cards are dealt, the player must wager. 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) 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. Players and Personnel One dealer - Handles all of the cards and chip exchanges. One to either Five or Seven players at a table. A winning blackjack pays the player 3 to 2. Going over 21 is called "Busting. Stand means no more cards (which the player signals by placing his cards under his wager or moving his hand in a horizontal direction. If the player hits and busts (goes over 21), he immediately turns his cards over and his wager is lost. Some casinos refer to hitting as draw. Stand - If you are pleased with your first two cards, you would then stand and not draw anymore cards. 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. If the dealer's down card is a 10 or any face card, the player wins 2 to 1. Card between 2 and 10 simply have their face value regardless of suit. SURRENDER - Where permitted, a player may give up his first two cards and lose only one-half his original bet. An Ace can count as 1 or 11 depending on what is most beneficial to your hand. If the dealer's first card is an ace and if you think that the dealer's hole card is of value 10, you can buy insurance against dealer blackjack.