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Baccarat (English pronunciation: /ˈbækərɑː/) is a casino card game. It is believed to have been introduced into France from Italy during the reign of Charles VIII of France (ruled 1483–1498), and it is similar to Faro and Basset. There are three accepted variants of the game: baccarat chemin de fer, baccarat banque (or à deux tableaux), and punto banco (or North American baccarat). Punto banco is strictly a game of chance, with no skill or strategy involved; each player's moves are forced by the cards the player is dealt. In baccarat chemin de fer and baccarat banque, by contrast, both players can make choices, which allows skill to play a part.

Baccarat is a simple game with three possible results—'Player', 'Banker', and 'Tie'. The term 'Player' does not refer to the customer, and the term 'Banker' does not refer to the house. They are just options on which the customer can bet.


Valuation of hands

In Baccarat, cards 2–9 are worth face value, 10s and face cards (J, Q, K) are worth zero, and Aces are worth 1 point. Players calculate their score by taking the sum of all cards modulo 10, meaning that after adding the value of the cards the tens digit is ignored. For example, a hand consisting of 2 and 3 is worth 5 (2+3=5\equiv 5\pmod{10}). A hand consisting of 6 and 7 is worth 3 (6+7=13\equiv 3\pmod{10}) - the first digit is dropped because the total is higher than 9. A hand consisting of 4 and 6 is worth zero, or Baccarat (4+6=10\equiv 0\pmod{10}). The name "Baccarat" is unusual in that the game is named after the worst hand, worth 0. The highest score that can be achieved is 9 (from a 4 and 5, 10/J/Q/K and 9, or A and 8, etc.).

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