How are the cards valued in baccarat?

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The cards are valued as follows in baccarat:

The value of an ace is one point.

Cards 2 through 9 are worth their face value in number cards. A 4 of hearts, for instance, is worth 4 points.

King, Queen, and Jack are face cards, and 10s and face cards have no points. In baccarat, these cards have no value.

Only the rightmost digit of the total is taken into account when determining the total value of a hand. For instance, if a hand totals 15, the value used is the rightmost digit, which is 5. This indicates that the hand's true value is 5.

In baccarat, the objective is to have a hand total that is as near as 9.
 
To add to this explanation, a hand in baccarat consists of two or three cards. The game starts with the player making a bet on either the player's hand or the banker's hand, or on a tie between the two.

After the bets have been placed, the player and banker are each dealt two cards. The player's hand is dealt first, and if he or she has a total of 8 or 9 from the initial two cards, it is called a "natural" and no more cards are dealt. If the player's total is less than 6, he or she receives a third card.

The banker's hand is dealt after the player's hand, depending on the player's total and whether or not he or she received a third card. The banker follows a set of rules to determine whether he or she should draw a third card, which can depend on both the banker's total and the player's third card.

At the end of the game, the hand closest to 9 is the winner. If the player's hand is higher than the banker's hand, the player wins; if the banker's hand is higher, the banker wins. If there is a tie, the bets on the tie win and the bets on the player and banker hands are returned.

It is important to note that in baccarat, the odds of winning are slightly better for betting on the banker's hand, as the banker has a higher likelihood of winning due to the rules he or she must follow. However, because of this, a 5% commission is typically charged on banker bets.
 
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