You play in a four-deck game and get a 3 and a 9 for a Two-card total of 12while the dealer turns over an upcard of 4. Which option do you choose?
This may look inviting, because when you have 12, there is only one Card valueon which one busten can, namely a ten card (which includes tens and all picture cards).
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Stop with 12 vs 4
If the dealer has an upcard of 4, there is a Bust opportunity of 40%. Conversely, man will be a loser 60% of the time. If you still take a third card in this situation with 12, you will win a little less and lose about 58% of your hands (pushes count for the difference).
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This is a very close call. In fact, taking a card is almost as advantageous (if that's even the right word) as standing still.
There is very little advantage to standing here with 12 against a dealer's 4 - about half a percent, to be exact.
And you'll find, if you ever get into card counting, that if you have a rather low negative count (i.e. a higher than usual ratio of Maps with low value to cards with high value that still have to be played), you will take another card with 12 against a 4
