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You may want to print the following tables for your reference. They say the gambler never needs to learn the rules of baccarat, because the dealers know the game very well and apply the rules very accurately. But, remember the adagio: "Trust but verify!"
• Tens and figure cards are counted as 10. All totals above 10 or multiples of 10 are adjusted by deducting 10 or multiples of 10. For example, if the first two cards are Jack and 10, the total = 10 + 10 = 20 = 0. If the first two cards are King and 8, the total = 10 + 8 = 18 = 8 (the small natural; a show stopper). Mnemonically, only the last digit is significant. 17 is 7, 23 is 3, 29 is 9. The maximum possible is 30 (three 10-valued cards). The Italian origin of the game of baccarat describes it well: Baccara means the little berry, hence a metaphorical expression of zero. Baccarat is not French in origin, although the French were the first to make it a casino game (chemin de fer = railroad).
For the best mathematical casino gambling strategy (approach) for non-system players, read:
Casino, Casinos: Gambling, Gamble, Win, Winning in Casino; the instruction, training materials are attempts by the casinos to create bad gamblers a.k.a. losers or suckers!
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