Dealer's up card	2	3	4	5	6	7	8	9	10	Ace
Pairs
A, A	Split	Split	Split	Split	Split	Split	Split	Split	Split	Split
2,2	Hit	0	-1	-4	-5	Split	Hit	Hit	Hit	Hit
3,3	Hit	4	-1	-4	-5	Split	Hit	Hit	Hit	Hit
4,4:   (Double)	Hit	Hit	5	0	0	Hit	Hit	Hit	Hit	Hit
5,5 (Treat as 10)	Double	Double	Double	Double	Double	-6	-3	0	4	3
6, 6	0	-1	-4	-6	Split	Split@<0	Hit	Hit	Hit	Hit
7, 7	Split	Split	Split	Split	Split	Split	Hit	Hit	0**	Hit
8, 8	Split	Split	Split	Split	Split	Split	Split	Split	Stand@6	-2
9, 9	0	-1	-2	-4	-5	6	Split	Split	Stand	0
10, 10	Stand	Stand	Stand	Stand	Stand	Stand	Stand	Stand	Stand	Stand
Dealer's up card	2	3	4	5	6	7	8	9	10	Ace
Soft Totals
A, 9	Stand	Stand	Stand	5	4	Stand	Stand	Stand	Stand	Stand
A, 8	Stand	4	2	1	0	Stand	Stand	Stand	Stand	Stand
A, 7	1	-1	Double	Double	Double	Stand	Stand	Hit	Hit	Hit
A, 6	0	-4	Double	Double	Double	Hit	Hit	Hit	Hit	Hit
A, 5	Hit	4	-3	Double	Double	Hit	Hit	Hit	Hit	Hit
A, 4	Hit	4	-3	-6	Double	Hit	Hit	Hit	Hit	Hit
A, 3	Hit	5	-1	-4	-6	Hit	Hit	Hit	Hit	Hit
A, 2	Hit	5	0	-1	-3	Hit	Hit	Hit	Hit	Hit
Dealer's up card	2	3	4	5	6	7	8	9	10	Ace
Hard Totals
5	Hit	Hit	Hit	Hit	Hit	Hit	Hit	Hit	Hit	Hit
6	Hit	Hit	Hit	Hit	Hit	Hit	Hit	Hit	Hit	Hit
7	Hit	Hit	Hit	Hit	Hit	Hit	Hit	Hit	Hit	Hit
8	Hit	Hit	5	0	0	Hit	Hit	Hit	Hit	Hit
9	0	-1	-2	-4	-5	4	Hit	Hit	Hit	Hit
10	Double	Double	Double	Double	Double	-6	-3	0	4	3
11	Double	Double	Double	Double	Double	Double	-5	-3	-3	-1
12	5	3	0	-1	-2	Hit	Hit	Hit	Hit	Hit
13	-1	-2	-3	-4	Stand	Hit	Hit	Hit	Hit	Hit
14	-3	-4	-6	Stand	Stand	Hit	Hit	Hit	Hit	Hit
15	-5	-6	Stand	Stand	Stand	Hit	Hit	Hit	Hit	Hit
16 (10, 6)	Stand	Stand	Stand	Stand	Stand	Hit	Hit	Hit	4	4
16 (9, 7)	Stand	Stand	Stand	Stand	Stand	Hit	Hit	Hit	0	3
17 or more	Stand	Stand	Stand	Stand	Stand	Stand	Stand	Stand	Stand	Stand
** Hit if below 0
Insure at 1.4