Game Rules

• Objective
• Number Of Decks, Composition Of Each Deck, And Shuffling Procedures.
• Scoring
• Playing Card Imagery
• Betting
• Dealing Initial Hands
  • Hard and Soft
  • Initial Hands That Have A Value Of Twenty-Seven
  • Determine Whether A Predetermined Outcome Occurs
• Form The Player’s Complete Hand
  • Determine Whether A Predetermined Outcome Occurs
• Form The Dealer’s Complete Hand
  • Determine Whether A Predetermined Outcome Occurs
• Determine The Outcome Of The Game
• Resolution Of The Game Wager

Additional Information

• House Edge
• Basic Strategy
• Contact Information

Objective

In a 21-24-27 Finnish 27 ™ game, a dealer and a player compete. The player makes a game wager. The objective of the player is to win the game wager. Each player acquires a hand of cards. The player with the highest value hand wins the game and the game wager.

Number Of Decks, Composition Of Each Deck, And Shuffling Procedures.

The dealer uses a six deck shoe. Each deck includes thirteen ranks of each of four suits and two Jokers. The thirteen ranks are Two, Three, Four, Five, Six, Seven, Eight, Nine, Ten, Jack, Queen, King, and Ace. The four suits are Spades, Clubs, Hearts, and Diamonds. The dealer shuffles the cards before the first round of play. The dealer reshuffles the cards after the shoe is depleted of about four and a half decks. The player is notified whenever the dealer reshuffles.

Scoring

Each card has a numeric value. The dealer adds up the numeric value of each card in a hand. Thereby, the dealer determines a hand total. The numeric values correspond to the rank of the cards in a poker game. An Ace can be played either as a “high” Ace or a “low” Ace. Let us suppose. An Ace can be counted as 14 without causing the hand total to exceed 27. In that event, the Ace is a “high” Ace. The “high” Ace has a numeric value 14. Let us suppose. An Ace can not be counted as 14 without causing the hand total to exceed 27. In that event, the Ace is a “low” Ace. The “low” Ace has a numeric value of 1.  A Jack has a numeric value of 11. A Queen has a numeric value of 12. King has a numeric value of 13. Face cards (Jack, Queen, and King) count respectively as 11, 12, and 13. Jokers count as 0. All other cards are counted according to their numeric value.

Playing Card Imagery

Each card bears Finnish style indicia. The Finnish style has
indices 1, 13, 12, 11 appear on the Ace, King, Queen and Jack;
has no indices appear on the Joker; and has indices corresponding
to card rank appear on each of the remaining cards.

Betting

To begin a round, the player places a bet

Dealing Initial Hands

After the player places a bet, the dealer deals initial hands. The dealer forms the player’s initial hand and the dealer’s initial hand. The dealer deals a first card face up to the player. The dealer deals a first card face up to the dealer. The dealer deals a second card face up to the player. The dealer deals a second card face up to the dealer.

Hard and Soft

There are two basic types of hands. Let us suppose. A hand of playing cards includes a “high” Ace. In that event, the hand is a “soft” hand. Suppose. A hand of playing cards does not include a “high” Ace. In that event, the hand is a “hard” hand. Let us suppose. The sum of the numeric values assigned to the cards in a “hard” hand does exceed twenty-seven. In that event, the holder of the hand does bust. Let us suppose. The sum of the numeric values assigned to the cards in a soft hand does exceed twenty-seven. In that event, the “high” Ace turns into a “low” Ace. The “soft” hand becomes a “hard” hand.

The rules assign numeric values to the cards in a hand. A hand total is equal to the sum of the numeric values. There are two basic types of hand totals. A “soft” hand has a “soft” total. For example, let us suppose. A “soft” hand consists of an Ace of Spades and a Jack of Diamonds. In that event, the “soft” hand has a “soft” total. The “soft” total is “soft twenty-five”. A “hard” hand has a “hard” total. For example, let us suppose. A hard hand consists of an Ace of Spades, a Nine of Diamonds, and a King of Clubs. In that event, the “hard” hand has a “hard” total. The “hard” total is “hard twenty-three”.

Initial Hands That Have A Value Of Twenty-Seven

In this game, only a “Finnish 27” has a value of twenty-seven. 

• The “Finnish 27” is an initial hand consisting of an Ace and a King.

Determine Whether A Predetermined Outcome Occurs

After the initial deal, the dealer determines whether a predetermined outcome occurs in accordance with the following set of rules.

• Let us suppose. The player’s initial hand is a Finnish 27. Let us suppose further. The dealer’s initial hand is not a Finnish 27. In that event, the outcome of the game is the player’s hand wins.
• Let us suppose. The dealer’s initial hand is a Finnish 27. Let us suppose further. The player’s initial hand is not a Finnish 27. In that event, the outcome of the game is the dealer’s hand wins.
• Let us suppose. The dealer’s initial hand is a Finnish 27. Let us suppose further. The player’s initial hand is a Finnish 27. In that event, the outcome of the game is the hands push.

Form The Player’s Complete Hand

Let us suppose. A predetermined outcome does not occur. In that event, the dealer forms the player’s complete hand in accordance with the following method of play.

The player and the dealer take turns playing their hands. The player goes first. The dealer must play the player’s hand in a predetermined way under certain circumstances. Let us suppose. The dealer plays the player’s hand in a predetermined way. In that event, the dealer does not consult with the player for a decision on how to play the player’s hand. Let us suppose. The dealer does not play the player’s hand in a predetermined way. In that event, the dealer does consult with the player for a decision on how to play the player’s hand. Let us suppose. The dealer does consult with the player for a decision on how to play the player’s hand. In that event, the player has the following options.

The player has the option to stand.

Let us suppose. The player stands. In that event, the player’s hand is complete.

The player has the option to hit.

Let us suppose. The player hits. In that event, the dealer deals one additional card to the player’s hand. The one additional card has a numeric value. The numeric value adds to the player’s hand total.

Let us suppose. The dealer has a “hard” hand. Let us suppose further. The “hard” hand has a “hard” total of less than “hard twenty-one”.  In that event, the player must play the player’s hand in a predetermined way under certain circumstances.

Let us suppose. The dealer has a “soft” hand. Suppose further. The “soft” hand has a “soft” total of less than “soft twenty-four”. In either event, the player must play the player’s hand in a predetermined way under certain circumstances.

The player must play the player’s hand in a predetermined way under the following circumstances.

• Let us suppose. The player has a “hard” hand. Let us suppose further. The “hard” hand has a “hard” total of less than “hard fifteen”. In that event, the player must hit.
• Let us suppose. The player has a “soft” hand. Let us suppose further. The “soft” hand has a “soft” total of less than “soft twenty-three”. In that event, the player must hit.
• Let us suppose. The player has a “hard” hand. Let us suppose further. The “hard” hand has a “hard” total of at least “hard twenty-five”. In that event, the player must stand.
• Let us suppose. The player has a “soft” hand. Let us suppose further. The “soft” hand has a “soft” total of “soft twenty-seven”. In that event, the player must stand.

Let us suppose. The dealer has a “hard” hand. Let us suppose further. The “hard” hand has a “hard” total of at least “hard twenty-one”. In that event, the player must play the player’s hand a predetermined way under certain circumstances.

Let us suppose. The dealer has a “soft” hand. Let us suppose further. The “soft” hand has a “soft” total of at least “soft twenty-four”. In either event, the player must play the player’s hand in a predetermined way under certain circumstances.

The player must play the player’s hand in a predetermined way under the following circumstances.

• Let us suppose. The player’s hand total is less than the dealer’s hand total. In that event, the player must hit.
• Let us suppose. The player’s hand is a hard hand. Let us suppose further. The player’s hand total is equal to or greater than the dealer’s hand total. In that event, the player must stand.
• Let us suppose. The player’s hand is a soft hand. Let us suppose further. The player’s hand total is greater than the dealer’s hand total. In that event, the player must stand.

Determine Whether A Predetermined Outcome Occurs

After the dealer forms the player’s complete hand, the dealer determines whether a predetermined outcome occurs in accordance with the following set of rules.

Let us suppose. The player’s hand total exceeds hard twenty-seven. In that event, the player busts. Let us suppose. The player busts. In that event, the player’s hand is a predetermined-lose hand. A predetermined outcome does occur. The outcome of the game is the dealer’s hand wins.

Form The Dealer’s Complete Hand

Let us suppose. A predetermined outcome does not occur. In that event, the dealer forms the dealer’s complete hand.

• Let us suppose. The dealer has a “soft” hand. In that event, the dealer makes a decision on how to play the “soft” hand in accordance with the following predetermined strategy.
  • Let us suppose. The “soft” hand has a “soft” total of less than “soft twenty-four”. In that event, the dealer must hit.
  • Let us suppose The “soft” hand has a “soft” total of at least “soft twenty-four”. In that event, the dealer must stand.

Let us suppose. The dealer hits. In that event, the dealer deals one additional card to the dealer’s hand. The one additional card has a numeric value. The numeric value adds to the dealer’s hand total. Let us suppose. The dealer stands. In that event, the dealer’s hand is complete.

Determine Whether A Predetermined Outcome Occurs

After the dealer forms the dealer’s complete hand, the dealer determines whether a predetermined outcome occurs in accordance with the following set of rules.

Let us suppose. The dealer’s hand total exceeds hard twenty-seven. In that event, the dealer busts. The dealer’s hand is a predetermined-lose hand. A predetermined outcome does occur. The outcome of the game is the player’s hand wins.

Determine The Outcome Of The Game

Let us suppose. A predetermined outcome does not occur. In that event, the dealer determines the outcome of the game in accordance with the following set of rules.

• Let us suppose. The player’s hand total is closer to twenty-seven than is the dealer’s hand total. In that event, the outcome of the game is the player’s hand wins.
• Let us suppose. The dealer’s hand total is closer to twenty-seven than is the player’s hand total. In that event, the outcome of the game is the dealer’s hand wins.
• Let us suppose. The dealer’s hand total is as close to twenty-seven as is the player’s hand total. In that event, the outcome of the game is the hands push.

Resolution Of The Game Wager

The dealer resolves the game wager in accordance with the following set of rules.

• Let us suppose. The outcome of the game is the player’s hand wins. In that event, the dealer pays the player one to one odds on the game wager.
• Let us suppose. The outcome of the game is the dealer’s hand wins. In that event, the dealer collects the game wager.
• Let us suppose. The outcome of the game is the hands push. In that event, the dealer returns control over the game wager to the player.

House Edge

The house can expect to retain an average portion of the game wager in the long term with strictly average luck. People refer to the average portion of the game wager as a house edge. The house edge is expressed as a percentage of the game wager. A positive percentage indicates a long term gain for the house. A negative percentage indicates a long term loss for the house.

Let us suppose. A player consistently uses the basic strategy to make decisions on how to play the player’s hand.  In that event, this particular set of rules gives the house an edge of about 1.0%. Accordingly, each ten dollar bet would cost the player about ten cents on average.

Let us suppose. A player does not consistently use basic strategy to make decisions on how to play the player’s hand. In that event, the house edge could be much higher than 1.0%.

Let us suppose. A player has the ability. The player can consistently predict the outcome of the game before even placing a game wager. In that event, the player would have an edge over the house. The house should probably invite the player to play a different game.

Basic Strategy

Players make decisions on how to play their hands. Let us suppose. A player uses a basic strategy.  In that event, the basic strategy enables the player.  The player loses the least amount of money to the house in the long run with strictly average luck.  

Basic strategy for the play of the player’s hand can be summarized using the following eighteen rules.

Let us suppose. The dealer’s hand total is	In that event, hit to target-numerical sums
any hard total from 0 to 6	hard 22 and soft 24 (22/AT)
hand 7	hard 22 and soft 23 (22/A9)
hard 8	hard 21 and soft 23 (21/A9)
hard 9 or hard 10	hard 22 and soft 23 (22/A9)
any hard total from 11 to 15	hard 22 and soft 24 (22/AT)
hard 16	hard 21 and soft 24 (21/AT)
hard 17	hard 21 and soft 23 (21/A9)
hard 18	hard 20 and soft 23 (20/A9)
hard 19 or hard 20	hard 19 and soft 23 (19/A9)
hard 21	hard 21 and soft 22 (21/A8)
hard 22	hard 22 and soft 23 (22/A9)
hard 23	hard 23 and soft 24 (23/AT)
hard 24	hard 24 and soft 25 (24/AJ)
25 or 26	at least equal to the dealer’s hand total
soft 24	hard 24 and soft 25 (24/AJ)
any soft total from 17 to 23	hard 22 and soft 24 (22/AT)
soft 16	hard 22 and soft 25 (22/AJ)
soft 14 or soft 15	hard 23 and soft 25 (23/AJ)