When the Banker holds a two-card total of 5 and the Player draws a third card with a point value of 3 (a 3), the official Punto Banco tableau mandates that the Banker STANDS. Every such hand resolves in exactly 5 cards (3 Player, 2 Banker).
Engine-verified scoreboard accompanying the Banker 5 vs. Player third-card 3 (STAND) cell.
This bead is at Row 2. Column 2 has a bead at Row 2 too → red (=).
Common table reading watchout: Thinking "no bead at this row" means blue. It is blue only when Column 2 stopped exactly one row above this bead.
This bead is at Row 2. Column 2 has a bead at Row 2 too → red (=).
Common table reading watchout: Thinking "no bead at this row" means blue. It is blue only when Column 2 stopped exactly one row above this bead.
Column 4 has 3 beads. Column 1 has 4 beads. Different depth → blue (≠).
Common table reading watchout: Comparing the wrong columns. Compare Column 4, the one that just finished, with Column 1.
Verified directly against packages/core/lib/baccarat/handResolution.ts.
Player holds 3 cards and Banker holds 2 cards.
Resulting modulo-10 Player totals when adding 3 to legal drawing totals 0–5.
How a standing Banker 5 compares against the 6 possible Player 3-card totals when P3=3.
Confirmed via resolveHand() with sample sixth card 4 (2B/3P/1T across the 6 Player starts).
Banker 5 vs. Player third-card 3 is the most common dealer hesitation on total 5: because 3 sits one point below the 4–7 draw window, Banker 5 MUST STAND.
When the Player draws a 3 onto an initial 0, 1, or 2, the Player finishes with 3, 4, or 5—never beating a standing Banker 5. Even when the Player started with 5 (5+3=8), drawing onto Banker 5 only beats 8 if the Banker pulls precisely a 4.
For Banker 5 facing Player's third card 3 (3), combining 3 with the 6 legal Player starts (0..5) yields the specific Player 3-card sequence [0+3→3; 1+3→4; 2+3→5; 3+3→6; 4+3→7; 5+3→8], against which Banker 5 (2+3) tallies 2 standing wins, 1 pushes, and 3 deficits.
| Player 2-Card Start | Player Draws 3 (Value 3) | Banker 5 Tableau Rule | Hand Size | Sample Outcome (Banker Draw = 4) |
|---|---|---|---|---|
| Player starts at 0 (10+K) | Draws 3 (val 3) → Player 3-card total 3 | Banker 5 STANDS at 2-card total 5 | 5 cards dealt | Banker wins (5 vs 3) |
| Player starts at 1 (10+A) | Draws 3 (val 3) → Player 3-card total 4 | Banker 5 STANDS at 2-card total 5 | 5 cards dealt | Banker wins (5 vs 4) |
| Player starts at 2 (A+A) | Draws 3 (val 3) → Player 3-card total 5 | Banker 5 STANDS at 2-card total 5 | 5 cards dealt | Tie at 5 |
| Player starts at 3 (A+2) | Draws 3 (val 3) → Player 3-card total 6 | Banker 5 STANDS at 2-card total 5 | 5 cards dealt | Player wins (6 vs 5) |
| Player starts at 4 (2+2) | Draws 3 (val 3) → Player 3-card total 7 | Banker 5 STANDS at 2-card total 5 | 5 cards dealt | Player wins (7 vs 5) |
| Player starts at 5 (2+3) | Draws 3 (val 3) → Player 3-card total 8 | Banker 5 STANDS at 2-card total 5 | 5 cards dealt | Player wins (8 vs 5) |
In the [5 vs 3] stand branch (2+3 pat at 5 against Player's 3), dealing stops at 5 cards—eliminating 3-card Banker Dragon 7 while preserving Panda 8 whenever Player opened on 5 (A+2) and drew 3.
Testing [5 vs 3] with sixth-card 4 across all 6 Player starts yields 2B / 3P / 1T on shoe BBBBPPBBPPPB…
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