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If the total is 7 or less and the active player has called ‘carte’, the banker deal’s one card face up, which will be added to the players’ hand. Alongside the Player and Banker bets, the majority of casino Baccarat games also offer the Tie bet. This is a wager that both the Player and Banker hands will result in the same value and typically offers odds of 8 to 1 against a tie. The players act in turn, beginning with the nearest player to the right of the croupier and continuing counter-clockwise around the table so long as the total of the bets is less than the total size of the bank.
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The first known published description is in the book Album des jeux de hasard et de combinaisons by Charles Van-Tenac . This earliest version of the game is now known as Baccarat à Deux Tableaux or Baccarat Banque to distinguish it from later streamlined variants. One famous variant is Baccarat Chemin de Fer , later just known as Chemin de Fer or in the America as Chemmy or Shimmy.
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The bank is the only potentially profitable position, and this profit will normally be negated by the commission charged by the casino. This is, so far as we know, the original 19th century form of Baccarat. Please note however that the name “Baccarat Banque” may in some places now be used to refer to Punto Banco, so the name Baccarat à Deux Tableaux is more unambiguous. After all the players have had a turn to bet, if the total amount of their bets does not cover the bank, spectators may also be allowed to place bets until the total of reaches the bank value. If the total of the bets is still less than the value of the bank, the croupier removes the difference from the bank and keeps it on behalf of the banker. In order to start the game, usually at least 6 players have to be seated and willing to play.
If the active player is playing alone, with no one else having bet against the banker, the only constraint is that the player must call ‘carte’ if the hand total is zero (sometimes known as ‘baccarat’). The player to the right of the croupier is entitled to be the first banker, after which the right to be banker rotates counter-clockwise around the table. A banker is entitled to keep the bank so long as he or she wins or ties the coup. When the banker loses a coup, the right to be banker is offered to the next player in rotation.
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If more than one player calls ‘banco’, the one whose turn was earlier in counter-clockwise rotation from the banker has priority. If no one calls ‘banco’, then each player in turn, beginning to the banker’s right and continuing counter-clockwise, can bet any amount provided that the total bets are not more than what is in the bank. If a player’s bet makes the total equal to the bank then no further bets can be placed, and any players whose turns are later have no stake in the coup. If all the hands have a total of 7 or less, then each of the active players must decide in turn whether to ask for a third card, which is dealt face up. The player of the right hand acts first, followed by the player of the left hand.
