I think there is one caveat to consider when determining the winner in baccarat. When calculating a hand total, all face cards (kings, queens, and jacks) and tens are worth zero points, while aces are worth one point and all other cards are worth their face value. Therefore, if a hand's total exceeds nine, the hand's value is reduced by ten. For example, if a hand has a total of 15, its value is actually five because the ten is subtracted