When the Banker holds a two-card total of 5 and the Player draws a third card with a point value of 4 (a 4), the official Punto Banco tableau mandates that the Banker DRAWS. Every such hand resolves in exactly 6 cards (3 Player, 3 Banker).
Engine-verified scoreboard accompanying the Banker 5 vs. Player third-card 4 (DRAW) cell.
Column 2 has 3 beads. Column 1 has 2 beads. Different depth → blue (≠).
Common table reading watchout: Comparing the wrong columns. Compare Column 2, the one that just finished, with Column 1.
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 4. Column 1 stopped at Row 2, more than one row above → red (=).
Common table reading watchout: Thinking "no bead at this row" means blue. It is blue only when Column 1 stopped exactly one row above this bead.
Verified directly against packages/core/lib/baccarat/handResolution.ts.
Player holds 3 cards and Banker holds 3 cards.
Resulting modulo-10 Player totals when adding 4 to legal drawing totals 0–5.
How a standing Banker 5 compares against the 6 possible Player 3-card totals when P3=4.
Confirmed via resolveHand() with sample sixth card 3 (4B/1P/1T across the 6 Player starts).
Player third-card 4 opens the Banker 5 draw window (4–7): when the Player draws a 4, a Banker holding 5 MUST DRAW.
In classic Chemin de Fer, Banker 5 against a third-card 4 had nearly identical expectation between standing and drawing. Under modern 8-deck Punto Banco rules, drawing on 4 is locked into the tableau because Player totals of 1+4=5, 2+4=6, 3+4=7, 4+4=8, and 5+4=9 heavily pressure a standing 5.
For Banker 5 facing Player's third card 4 (4), combining 4 with the 6 legal Player starts (0..5) yields the specific Player 3-card sequence [0+4→4; 1+4→5; 2+4→6; 3+4→7; 4+4→8; 5+4→9], against which Banker 5 (10+5) tallies 1 standing wins, 1 pushes, and 4 deficits.
| Player 2-Card Start | Player Draws 4 (Value 4) | Banker 5 Tableau Rule | Hand Size | Sample Outcome (Banker Draw = 3) |
|---|---|---|---|---|
| Player starts at 0 (10+K) | Draws 4 (val 4) → Player 3-card total 4 | Banker 5 DRAWS (e.g. +3 → 8) | 6 cards dealt | Banker wins (8 vs 4) |
| Player starts at 1 (10+A) | Draws 4 (val 4) → Player 3-card total 5 | Banker 5 DRAWS (e.g. +3 → 8) | 6 cards dealt | Banker wins (8 vs 5) |
| Player starts at 2 (A+A) | Draws 4 (val 4) → Player 3-card total 6 | Banker 5 DRAWS (e.g. +3 → 8) | 6 cards dealt | Banker wins (8 vs 6) |
| Player starts at 3 (A+2) | Draws 4 (val 4) → Player 3-card total 7 | Banker 5 DRAWS (e.g. +3 → 8) | 6 cards dealt | Banker wins (8 vs 7) |
| Player starts at 4 (2+2) | Draws 4 (val 4) → Player 3-card total 8 | Banker 5 DRAWS (e.g. +3 → 8) | 6 cards dealt | Tie at 8 |
| Player starts at 5 (2+3) | Draws 4 (val 4) → Player 3-card total 9 | Banker 5 DRAWS (e.g. +3 → 8) | 6 cards dealt | Player wins (9 vs 8) |
In the [5 vs 4] draw branch (10+5 drawing against Player's 4), a 6th card is dealt from the shoe: catching a 2 forms a 3-card Banker 7 (Dragon 7), whereas catching a 1 forms a 3-card Banker 6 (Super 6).
Testing [5 vs 4] with sixth-card 3 across all 6 Player starts yields 4B / 1P / 1T on shoe PPBBBPPBBBBP…
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