There are two distinct classes of banking games; those that can be played without any apparatus but a pack of cards and some counters; and those which require a permanent establishment and expensive paraphernalia. Among the first, probably the best known banking games are: Vingt-et-un, Baccara, Blind Hookey, and Fan Tan, the latter requiring only one card, the face of which is never seen. In the second class, which are often called table games, probably the best known are: Faro, Keno, Roulette, Rouge et Noir, and Chuck Luck.

Each of these games has a number of offshoots, and the distinctions between the original and the variation are sometimes so minute as to be hardly worth mentioning. As a matter of reference, and for the convenience of those who hear these variations spoken of, their names and chief characteristics are here given.

Banking games, properly so-called, are those in which one player is continually opposed to all the others. In round games, each player is for himself, but no player is selected for the common enemy. In partnership games, the sides are equally divided, and any advantage in the deal or lead passes alternately from one to the other. In other games, the single player that may be opposed to two or three others usually takes the responsibility upon himself, and for one deal only, so that any advantage he may have is temporary. In banking games, on the contrary, one player is selected as opposed to all others, and the opposition is continual. If there is any advantage in being the banker, it is supposed to be a permanent one, and if the banker has not been at any special expense in securing the advantages of his position he is obliged to surrender it from time to time and give other players a chance. This is the rule in Vingt-et-un, Baccara, and Blind Hookey. If the banker is not changed occasionally, he retains his position on account of the expense he has been put to to provide the apparatus for the play, as in Faro, Keno, Roulette, and Rouge et Noir. To justify this expenditure he must have some permanent advantage, and if no such advantage or “percentage” is inherent in the principles of the game, any person playing against such a banker is probably being cheated.

At Monte Carlo, everything is perfectly fair and straightforward, but no games are played except those in which the percentage in favour of the bank is evident, and is openly acknowledged. In Faro there is no such advantage, and no honest faro bank can live. It is for that reason that the game is not played at Monte Carlo, in spite of the many thousands of Americans who have begged the management to introduce it. The so-called percentage of “splits” at Faro is a mere sham, and any candid dealer will admit that they do not pay for the gas. Roulette, Rouge et Noir, Keno, and Chuck Luck are all percentage games, although the banker in the latter is seldom satisfied with his legitimate gains.

The peculiarity about all percentage banking games is that no system, as a system, will beat them. The mathematical expectation of loss is so nicely adjusted to the probabilities of gain that the player must always get just a little the worst of it if he will only play long enough. Take any system of martingales, and suppose for the sake of illustration that in 1000 coups you will win 180 counters. The mathematical expectation of the game is such that just about once in a thousand coups your martingale will carry you to a point in which you will lose 200 counters, leaving you just 20 behind on every 1000 if you keep on playing. Every system has been carefully investigated, and enormous labour has been expended on the compilation of tables recording for a long series of time every number rolled at Roulette, and every coup raked in at Rouge et Noir, and the result of all systems is found to be the same, the bank succeeds in building up its percentage like a coral island, while the player’s money disappears like water in the sand.

VINGT-ET-UN.

Any number of persons may play Vingt-et-un, and a full pack of fifty-two cards is used. The cards have no rank, but a counting value is attached to each, the ace being reckoned as 11 or 1, at the option of the holder, all court cards as 10 each, and the others at their face value.

The cards are thrown round for the first deal, and the first ace takes it. The dealer is also the banker. Each player is provided with a certain number of counters, usually 25 or 50, and a betting limit is agreed on before play begins. The players on the dealer’s right and left are known as the pone and the eldest hand respectively.

The object of the game is to get as near 21 as possible in the total pip value of the cards held.

Stakes. Before the cards are dealt, each player except the dealer places before him the amount he bets upon his chances for that deal. This amount may be either at the option of the player, within the betting limit, or it may be a fixed sum, such as one counter. In one variation each player is allowed to look at the first card dealt him before making his bet, and before receiving a second card. When it comes to the dealer’s turn, he does not stake anything upon his card, but he has the privilege of calling upon all the others to double the amount they have placed on theirs. Any player refusing to double must pass over to the dealer the stake already put up, and stand out of the game for that hand.

Another variation is to allow any player whose second card is of the same denomination as the first to separate them, and to place upon the second card a bet equal in amount to that upon his first card, afterward drawing to each separately, as if they were two different hands.

Dealing. The bets made, the cards are shuffled and presented to the pone to be cut; four must be left in each packet. Two cards are given to each player, including the dealer, one at a time in two rounds. If the dealer gives too many cards to any player, either in the first deal or in the draw, he must correct the error at once. If the player has seen the superfluous card he may keep any two he chooses of those dealt him. If the dealer gives himself too many he must keep them all. The last card in the pack must not be dealt. If there are not enough cards to supply the players, the discards must be gathered up, shuffled together, and cut.

Naturals. The cards all dealt, the dealer first examines his hand. If he has exactly 21, an Ace and a tenth card, which is called a natural, he shows it at once, and the players must pay him twice the amount they have staked in front of them, unless they also have a natural, when it is a stand-off. If the dealer has not a natural, each player in turn, beginning with the eldest hand, examines his two cards to see how nearly their total value approaches 21. If he has a natural, he exposes it immediately, and the dealer must pay him double the amount staked. It is sometimes the rule for the holder of a natural, the dealer having none, to take the stakes of all the other players; but this variation is not in favour.

Drawing. No natural being shown, each player in turn may draw another card, or stand on the two dealt him, which are not shown under any circumstances. If he is content, he says: “I stand.” If he wants a card he says: “One,” and the dealer gives it to him, face up. If the pips on the card drawn, added to those already in his hand, make his total greater than 21, he is crÉve, and passes over to the dealer his stake, throwing his cards in the centre of the table, still face down. If the total is not 21, he may draw another card, and so on until he is crÉve or stands. The first player disposed of in this manner, the dealer goes on to the next one, and so on until he comes to himself. He turns his two cards face upward, and draws or stands to suit himself. If he overdraws, all the other players expose their first two cards to show that they have 21 or less, and he then pays each of them the amount they have staked. If he stands, either before or after drawing, the others expose their cards in the same way, and those that have the same number are tied, and win or lose nothing. Those who have less than the dealer lose their stake; those that have more than the dealer, but still not more than 21, he must pay. When the result is a tie, it is called paying in cards.

The Banker. The banker for the next deal may be decided upon in various ways. The old rule was for one player to continue to act as banker and to deal the cards until one of his adversaries held a natural, the dealer having none to offset it. When this occurred, the player who held the natural took the bank and the deal until some one else held a natural. Another way was to agree upon a certain number of rounds for a banker, after which the privilege was drawn for again. Another was for one player to remain the banker until he had lost or won a certain amount, when the privilege was drawn for again. The modern practice is for each player to be the banker in turn, the deal passing in regular rotation to the left. When this is done there must be a penalty for dealing twice in succession, and it is usually fixed at having to pay ties, if the error is not discovered until one player has drawn cards. If before that, it is a misdeal.

Pools. Vingt-et-un is sometimes played with a pool. Each player contributes one counter at the start, and the pool is afterward fed by penalties. Every player who is crÉve puts in a counter; all ties with the dealer pay one, and the dealer pays one for any irregularity in dealing. The pool may be kept to pay for refreshments, like the kitty in Poker, or it may be won by the first natural shown, as may be agreed.

Probabilities. The only point in the game is for a player to know what hands to stand on, and what to draw to. The dealer is guided by the cards dealt to other players, and by what they ask for. The other players should stand on 17, but draw on 16. In practice it has been found that the odds are about 2 to 1 in favour of drawing at 16; 3 to 1 for drawing at 15. The rules for drawing, etc., are more fully described in connection with the very similar game of Baccara.

MACAO.

In this variety of Vingt-et-un only one card is dealt to each player; court cards and tens count nothing, and the Ace is always worth one. The number to be reached is 9, instead of 21, and if a player has a 9 natural, he receives from the banker three times his stake; if an 8 natural, he receives double, and for a 7 natural, he is paid. If the banker has an equal number of points natural, it is a tie; and if the banker has a 7, 8, or 9 natural he receives from each of the others once, twice, or three times the amount of their stakes. If none of these naturals are shown, the players draw in turn, as at Vingt-et-un, and the dealer receives from those who have less points than he, or who are crÉve, and pays those who have more, but have not passed 9.

FARMER.

Any number of persons may play. All the 8’s and all the 6’s but the ?6 are discarded from a pack of fifty-two cards. All court cards count for 10, the ace for 1, and all others at their face value. A pool is then made up by each player contributing one counter. This is the farm, and it is sold to the highest bidder, who must put into it the price he pays for it. He then becomes the farmer, and deals one card to each player, but takes none himself.

The object of the players is to get as near 16 as possible, and each in turn, beginning on the dealer’s left must take at least one card. After looking at it he may ask for another, and so on until he is crÉve or stands. Should a player overdraw himself, he says nothing about it until all are helped, when the hands are exposed. Any player having exactly 16 takes the farm and all its contents. If there is more than one 16, that which is made with the assistance of the ?6 wins, otherwise the one which is made with the fewest cards. If this is a tie the eldest hand wins. If no one has exactly 16, the farm stays with its original owner deal after deal, until exactly 16 is held by some player.

Whether any one wins the farm or not, when the hands are exposed all those who have overdrawn must pay to the one who owned the farm at the beginning of that deal, as many counters as they have points more than 16. These payments do not go into the farm, but are clear profits. Those who have less than 16 pay nothing to the farmer; but the one who is nearest 16 receives a counter from each of the others. Ties are decided by the possession of the ? 6, or the fewest cards, or the eldest hand, as already described. If the farm remains in the same hands, the farmer deals again, and collects his profits until he loses his farm. When the farm is won, it is emptied, and resold as in the beginning.

QUINZE.

This is a form of Vingt-et-un for two players, but the number to be reached is 15 instead of 21. Court cards are reckoned as 10, and the ace as 1 only. Each player stakes an agreed amount every time, and the dealer then gives one card to his adversary and one to himself. The pone may stand on the first card, or draw; but he does not say anything if he overdraws. The dealer then draws or stands, and both show their cards. The one nearest to 15 wins; but if the result is a tie, or if both have overdrawn, the stakes are doubled, and another hand is dealt, the deal passing from player to player in rotation.

BACCARA.

This very popular variation of Vingt-et-un originated in the south of France, and came into vogue during the latter part of the reign of Louis Philippe. It is neither a recreation nor an intellectual exercise, but simply a means for the rapid exchange of money, well suited to persons of impatient temperament. The word “Baccara” is supposed to mean “nothing,” or “zero,” and is applied to the hands in which the total pip value of the cards ends with a cypher.

There are two forms of the game in common use; Baccara a deux tableaux, and Baccara chemin de fer. The first will be first described.

Players. Baccara may be played by any number of persons from three to eleven. Those first in the room have the preference, and should immediately inscribe their names. The first eleven form the table, and the privilege of being the banker is sold to the highest bidder; that is, to the one that will put up the most money to be played for. The remaining ten persons draw for choice of seats at the table, the first choice being for the seat immediately on the right of the banker, then for the first seat on his left. Five players are arranged on each side of the banker in this manner, right and left alternately, according to the order of their choice. Sometimes an assistant or croupier is seated opposite the banker, to watch the bets, gather and shuffle the cards, etc. A waste basket is placed in the centre of the table for the reception of cards that have been used in play.

If no one bids for the bank, it must be offered to the first on the list of players; if he declines, the next, and so on. The amount bid for the bank is placed on the table, and none of it can be withdrawn, all winnings being added to it. If no bid is made, the banker may place on the table any amount he thinks proper, and that amount, or what remains of it after each coup, is the betting limit. When the banker loses all he has, the bank is sold to the next highest bidder, or offered to the next player on the list. If the banker wishes at any time to retire, the person taking his place should begin with an amount equal to that then in the bank.

Counters. Each of the players should be provided with a certain number of counters, all of which must be sold and redeemed by the banker or his assistant.

Cards. Three packs of fifty-two cards each are shuffled together and used as one. The players shuffle as much as they please, the banker last, and the banker then presents them to any player he pleases to have them cut. The banker may burn one or two cards if he pleases; that is, turn them face upward on the bottom of the pack.

Object of the Game. The court cards and Tens count nothing, but all others, including the Ace, are reckoned at their face value. The object is to secure cards whose total pip value will most closely approach the number 8 or 9. An 8 made with two cards is better than a 9 made with three.

Stakes. Each player in turn, beginning with the first one on the right of the banker, and after him the first one on the left, and so on, right and left alternately, can bet any amount he pleases until the total amount bet equals the capital then in the bank. When this amount is reached it is useless to place further bets, as they may not be paid. For this reason Baccara is a very slow game when there is not much money in the bank. After all the players have made what bets they wish, outsiders may place bets on the result if they choose to do so.

Either the players or the gallery may bet on either side of the table, which is divided down the middle by a line dividing it into two parts, right and left; hence the name, Baccara a deux tableaux. A person wishing to bet on both sides at once places his money À cheval; that is, across the line. If one side wins and the other loses, a bet placed in this manner is a stand-off; if both sides lose, the bet is lost, and if both win the bet is won. A common form of dishonesty at Baccara, and one for which a distinguished Englishman was recently tried, is to place a stake very close to the line, and if it is seen that the side on which it is placed has probably lost, to push the stake onto the line, so that it may be saved if the other side wins. The Englishman in question worked this little game on the Prince of Wales for some time before he was detected.

When the banker loses, he pays the players in their order, right and left alternately, beginning with those who hold cards, until his capital is exhausted. Any further bets are disregarded. If any player bets on the opposite side of the table to that on which he is seated, his bet is not paid until all five of the players on that side have been settled with, because such a bet is regarded as that of an outsider, not belonging to that side of the table. If the player actually holding cards is not the one nearest the banker, he is still the first one to be paid, and then those beyond him in order. For instance: The third player holds cards; after him the fourth and fifth are paid, and then the first and second, each alternately with a player on the other side of the table.

Banco. Each player in turn, beginning with the one to whom cards will be dealt first, has the right to go banco; that is, to challenge the banker to play for his entire capital at a single coup. Such a proposition takes precedence of all others. If the bank loses such a coup, it must be put up to the highest bidder again, or offered to the next player on the list. If it wins, the same player, or any other player, may make a similar offer for the next coup, which will now be for double the first amount, of course; but no player is allowed to offer banco more than twice in succession.

Dealing. The cards cut, the banker takes a convenient number of them in his hand, or better, spreads them face downward on the table, and slips off the top card, giving it to the player next him on the right, face down. The next card he gives to the player on his left, and the next to himself. He gives another card to the right, to the left, and to himself, and then the players take them up and examine them. Ten cards must remain in the stock for the last deal.

Irregularities. After the first card is dealt no bets can be made or changed. The cards must be so held that they shall be at all times in full view of the players. Any card found faced in the pack is thrown in the waste basket. Any card once separated from the pack must be taken. If neither of the players want it, the dealer must take it himself. If the cards are dealt irregularly the error may be rectified if they have not been looked at; but any player may amend or withdraw his bet before the cards are seen. If the error is not detected in time, the player who holds cards may play the coup or not as he pleases, and all bets on his side of the table are bound by his decision. If a player holds one card too many, he may refuse the coup, or retain whichever two of the three cards he pleases, throwing the third into the waste basket, not showing it. If the banker has too many cards, the players may amend their bets, and the banker’s cards are then exposed, and the one taken from him which will leave him with the smallest point, the drawn card being thrown in the waste basket. If the banker gives himself two cards while either player has been given one only, the player must be given another card, and the banker must also take another. If the players have not amended their stake before the error was corrected, the first two cards dealt to the banker are thrown in the waste basket, and the third is his point for that deal. If the banker gives the second card to either player before dealing the first to himself, he must give the second to the other player also, and then take his own. This single card must then be thrown in the waste basket, but the banker may play out the hand as if he had two cards which counted 10 or 20; that is, baccara.

Showing. If any of the three persons holding cards finds he has a point of 8 or 9, it must be shown at once, and the two other hands are then exposed. If the banker has 8 or 9, and neither of the others has so many, the bank wins everything on the table. If either player has more than the banker, all the bets on that side of the table must be paid. If either player has as many as the banker, all the bets on that side of the table are a stand-off. If either player has less than the banker, all the bets on that side of the table are lost. If a player wrongly announces 8 or 9, he cannot draw cards unless his point was 10 or 20.

Drawing. If none of the three can show 8 or 9, the banker must offer a card to the player on his right. The card must be slipped off the pack and offered face down. If the player on the right refuses, it is offered to the player on the left, and if he also refuses, the banker must take it himself. If the player on the right takes it, the player on the left may ask for a card also; but whether he does so or not, the banker is not obliged to draw unless he chooses, after the first card offered has been taken by either player. When the card is taken it is turned face up, and left on the table in front of the person to whom it belongs. Only one card may be drawn by any player, and all the hands are then exposed. Ties are a stand-off. The banker pays all bets on the side that is nearer 9 than himself, and wins all on the side which is not so near 9 as himself. The players on the opposite sides of the table have nothing to do with each other; each wins or loses with the banker alone.

It should be observed that if a player had 4 originally, and draws a 9, his point is not 13, but 3, because all 10’s count for nothing. There is no such thing as being crÉve, as at Vingt-et-un.

Irregularities. If the banker gives two cards, face up, to the player on his right, the player may retain which he pleases, throwing the other into the waste basket. If two cards are given to the player on the left, he may select which he pleases, and the banker must take the other.

Order of Playing. The coup finished, and all bets paid, the cards which have been used are all thrown into the waste basket, and the stakes are placed for the next coup. The banker deals again, from the top of the stock, without any further shuffling or cutting of the cards. If the player on the right won the first coup, the banker deals to him again; but if he lost, the banker deals to the next player beyond him; that is, the second from the banker, on his right. The same with the player on the left. If the player on the right or left wins the second coup, the cards are dealt to him again for the third coup; if he loses they are dealt to the next player beyond him, and so on, until all five players have held cards and have lost a coup, after which the banker deals to the one nearest him again.

It will thus be seen that there are in each coup only two active players, and that all stakes made upon the game are made upon the result of their hands.

Suggestions for Playing. In justice to those backing him, the player is supposed to draw or not to draw, according to the laws of probabilities, which are exactly the same as in Vingt-et-un. If he has four points, which would be 5 below 9, he should draw; just as he would if he had 16 at Vingt-et-un, which would be 5 below 21. If he has 5 or more, he should stand; but if he has 5 exactly it is a matter of judgment, drawing a card being sometimes good play, especially if it is likely to lead the banker to overdraw himself. In some clubs there is a law that a player must draw if his point is less than 5, and must stand if it is more than 5, or he must pay a fine.

As no one is backing the banker, he is at liberty to play as badly as he pleases, and he is really the only one that has an opportunity to exercise any judgment in the matter of drawing. If a player refuses a card, the banker may be able to judge whether or not he has 6 or 7 by his habit of drawing or not drawing at 5. If he is known to be a player who draws at 5, it is useless for the banker to stand at 5, unless he thinks he can beat the player on the other side of the table, and there is more money on that side. If the player demanding a card has been given a 10, the banker should stand, even at 3 or 4. If he has been given an ace, the banker should stand at 4; if a 2 or 3, the banker should stand at 5; if the player is given a 4, the banker should draw, even if he has 5. If a player has drawn a 5, 6 or 7, the banker should draw, even if he has 5 or 6. If the player draws an 8 or 9, the banker should stand at 4 or 5, sometimes even with 3.

It must be remembered that the banker should have a sharp eye to the relative amounts staked on each side of the table, which will often decide which player he should try to beat. For example: The banker has 5, and the player on his right has drawn a 10, the one on his left a 7. The banker has an excellent chance to win all the bets on the right, and should have a certainty of standing off with them, and unless those on the left very much exceeded them, the banker would be very foolish to risk losing everything by drawing to 5, simply to beat the player on his left.

BACCARA CHEMIN DE FER. In this variation, each player in turn on the left becomes the banker, taking the deal as soon as the first banker loses a coup. The banker gives cards only to the player on his right, and to himself. If this player will not go banco, each of the others in order beyond him may do so. If no one goes banco, each player in turn to the right makes what bets he pleases, within the limit of the bank’s capital. If the banker wins the coup, he deals again, and so on until he loses, when the deal passes to the player on his left. The banker, after winning a coup, may pass the deal to the player on his right, if he chooses to do so, provided that player will put up an amount equal to that then in the bank. When this player loses a coup, the bank must go to the player to whom it would have gone in regular order; that is, the one on the left of the player who transferred his privilege.

Six packs of cards are generally used in Chemin de Fer, and the cards are placed in a wooden box, from which each dealer takes as many as he wants.

CHEATING. Baccara is honeycombed with trickery. Dishonest players, in collusion with the banker, have certain means of informing him of their point, so that he may win all the money staked upon that side of the table by the other players. This may be done in many ways. The player may ask the one sitting next him whether or not he should draw, which shows that he has 5. Or he may make a movement as if to expose his first two cards, and then correct himself. This shows the banker that the player has baccara, and is pretending that he thought he had 9. In addition to this system of communication, which Parisians call tiquer, marked cards, second dealing, and prepared stocks which can be palmed on the true cards, or substituted therefor, are all in common use. If Baccara is honestly played it is one of the fairest of all banking games, but the opportunities for cheating are so many and so easily availed of, and the money to be won and lost is so great, especially at Chemin de Fer, that few who know anything of cheating at cards can resist the temptation to practice it at Baccara.

The Laws of Baccara are very long and complicated. As no official code exists, and as each gambling club makes its own house rules, it is not necessary to give them here, the directions contained in the foregoing description being sufficient for any honest game.

Text Books. The following will be found useful:—

• ThÉorie Mathematique du Baccara, by Dormoy.
• Baccara Experimental, by Billard.
• TraitÉ ThÉorique et Pratique Baccara, by Laun.
• Westminster Papers, Vols. X. and XI.

This game is sometimes called Dutch Bank. Any number of persons may play, and a full pack of fifty-two cards is used. The cards rank from the A K Q down to the deuce. Any player may shuffle, the dealer last. The pack is then cut, and the reunited parts are placed in the centre of the table. The players then cut it into several packets, none less than four cards, all of which remain on the table face down. Some player then pushes one of the packets toward the dealer, and bets are then made on the others. Any player, except the dealer, can bet what he pleases on any packet.

After all the bets are made all the packets, including the dealer’s, are turned face up, exposing the bottom card of each. Any packet disclosing a card lower than the dealer’s loses all bets placed upon it. Any packet showing a card better than the dealer’s wins from him. The dealer takes all ties. The deal then passes to the next player on the left. Sometimes only three packets are cut, one of which is pushed to the dealer.

This game is a great favourite with card-sharpers, especially on ocean steamers. They use packs in which the cards are trimmed long and short, so that a confederate may cut them by the ends or by the sides for high or low cards, afterward pushing one of the high cuts toward the dealer.

CHINESE FAN TAN.

This is apparently the fairest of all banking games, there being absolutely no percentage in favour of the banker except that the players have to do the guessing.

The one who is willing to put up the largest amount of money to be played for is usually selected as the banker. He is provided with a large bowlful of beans, counters, buttons, small coins, or some objects of which a large number of similar size and shape can be easily obtained. An oblong card is placed in the centre of the table, and the players stake their money upon its corners or upon its edges. These corners are supposed to be numbered in rotation from 1 to 4, the figure 1 being on the right of the banker.

A bet placed on any of the corners takes in the number it is placed upon and the next higher also; so that a bet upon the corner 1 would be upon the numbers 1 and 2; upon 2 it would be upon 2 and 3; and upon 4 it would be upon 4 and 1.

In the illustration the bet would be upon 2 and 3.

If the bet is placed upon the edge of the card, it takes in the next higher number only.

In the illustration the bet is upon the number 2, and no other.

After all the bets have been placed, the banker takes a large handful of the beans or counters from the bowl, and places them on the table, counting them off rapidly into fours. The number of odd counters remaining decides which number wins; if none remain, 4 wins. If there were 2 or 3 counters over, the banker would pay all bets on the corners 1 and 2, even money. If there were 2 over, he would pay all bets on the edge of the card between 1 and 2 at the rate of three for one, and so on. The counters are then returned to the bowl, and bets are placed for another coup.

Sometimes the banker will draw a handful of beans from the bowl and place them upon the table, covering them with a saucer or with his cap. He then bets any player that there will be 1, 2, 3, or 4 left, the player taking his choice, and being paid three for one if he guesses correctly.

In spite of the fact that this game is apparently perfectly fair for all concerned, the author has never seen an American who could win anything at it while a Chinaman was the banker.

FARO.

This is one of the oldest banking games, and is supposed to be of Italian origin. It belongs to the same family as Lansquenet, Florentini, and Monte Bank. Under the name of Pharaon, it was in great favour during the reign of Louis XIV., and came to America by way of New Orleans. As originally played, the dealer held the cards in his left hand, and any bets once put down could not again be taken up until they were decided. In addition to splits, the dealer took hockelty.

As now played, Faro requires extensive and costly apparatus, the engraved counters used being often worth more than their playing value.

A full pack of fifty-two cards is shuffled and cut by the dealer, and then placed face upward in a dealing box, the top of which is open. The cards are drawn from this box in couples, by pushing them one at a time through a slit in the side. As the cards are withdrawn in this manner a spring pushes the remainder of the pack upward. The first card in sight at the beginning of each deal is called soda, and the last card left in the box is in hoc.

The first card withdrawn is placed about six inches from the box, and the second is laid close to the box itself.

Every two cards withdrawn in this manner are called a turn, and there are twenty-five turns in each deal, Soda and Hoc being dead cards. In making the first turn, the Soda begins the pile farther from the box, and the next card taken out is called a loser, which is placed close to the box. The card left face upward in the box is the winner for that turn, so that there must be a winner and a loser for every turn; the loser outside the box, and the winner left in it. On the next and all following turns, the winning card on the previous turn will be placed on the same pile as the Soda, so that it shall be possible at any time to decide which cards have won, and which have lost.

The Object of the Game is for the players to guess whether the various cards on which they place their money will win or lose. They are at liberty to select any card they please, from the ace to the King, and to bet any amount within the established limit of the bank.

The Layout. All bets are made with counters of various colors and values, which are sold to the players by the dealer, and may be redeemed at any time. These counters are placed on the layout, which is a complete suit of spades, enamelled on green cloth, sufficient space being left between the cards for the players to place their bets. The ace is on the dealer’s left.

There are a great many ways of placing bets at Faro. For instance: A player may make bets covering twenty-one different combinations of cards, all of which would play the Ten to win, as follows:—

If the first bet is supposed to be flat upon the Ten itself, 2, 3 and 4 would take in the card next the Ten; 5 the cards on each side with the Ten; 6 and 7 the three cards behind which the bets are placed, the Ten being one in each instance; 8 and 9 take in the Ten and the card one remove from it in either direction; 10 and 11 are the same thing, but placed on the other card; 12 to 17 inclusive take in the various triangles of which the bet is the middle card; 18 and 19 take in the four cards surrounding them; 20 and 21 are heeled bets, the bottom counter being flat on the corner of the card, and the remainder being tilted over toward the card diagonally across from the one on which the bet is placed, playing both cards to win. In addition to these twenty-one bets, others might be made by heeling bets that would take certain cards to lose, and the Ten to win. Bets may also be strung behind odd or even cards on the side next the dealer. These show that the player bets the next case card that comes will win if it is an even card, and lose if it is odd; that is, if he places his string behind an even card.

If the player thinks a card will win, he bets it open, that is, with nothing but his counters. If he wants to play a card to lose, he coppers it, by placing a checker or button on his chips. If a player wishes to reach two cards widely separated, such as the deuce and Seven, and has not money enough to bet on both; he can ask the dealer for a marker, which is a flat oblong piece of ivory. This is placed on the card to be played with the same money, and the dealer may either trust his memory for the bet, or place another marker on it.

After the dealer has waved his hand preparatory to pushing the top card from the box, no bet can be made or changed. After the turn is made, the dealer first picks up all the bets he wins, and then pays all he loses, after which he waits for the players to rearrange their bets for the next turn. Between each turn a player may make any change he pleases. A lookout sits on the right of the dealer to see that he pays and takes correctly, and to watch that no bets are changed, or coppers slipped off, during the turn.

Splits. If two cards of the same denomination win and lose on the same turn, it is a split, and the dealer takes half the bets on the split card, no matter whether it is bet to win or lose. Splits should come about three times in two deals if the cards are honestly dealt.

Keeping Cases. As the cards are withdrawn from the box they are marked on a case-keeper, which is a suit of thirteen cards, with four buttons running on a steel rod opposite each of them. As the cards come out, these buttons are pushed along, so that the player may know how many of each card are still to come, and what cards are left in for the last turn. In brace games, when the cards are pulled out two at a time to change the run of them, the case-keeper is always a confederate of the dealer, and is signalled what cards have been pulled out under the cards shown, so that he can secretly mark them up. A bet placed or left upon a card of which none are left in the box is called a sleeper, and is public property; the first man that can get his hands on it keeps it.

When only one card of any denomination is in the box, it is obvious that such a card cannot be split, and that the bank has no advantage of the player. Such cards are called cases, and the betting limit on cases is only half the amount allowed on other cards. It is not considered comme il faut for a player to wait for cases, and those who play regularly usually make a number of small bets during the early part of the deal, and then bet high on the cases as they come along. A player who goes upon the principle that the dealer can cheat those who bet high, and who follows and goes against the big bets with small ones, or who plays one-chip bets all over the board, hoping to strike a good spot to fish on, is called a piker; and when a game runs small this way, the dealers call it a piking game.

Keeping Tab. In addition to the case-keeper, score sheets are provided on which the players may keep a record of what cards win and lose on each turn. These tabs are printed in vertical columns, about five deals to a sheet. A dot indicates the soda card; a dash, hoc. All winners are marked with a down stroke, and all losers with a cypher. The diagram in the margin will give a very good idea of a faro tab for a complete deal. The Queen was soda, the Five split out, and the Eight was in hoc.

Systems. On the manner in which the cards will go, a great many systems of play are based. There are sixteen different ways for a card to “play,” which are simply the permutations of the stroke and the cypher arranged in rows of four at a time. If a player is betting three on a side, he will take each card as it becomes a case, and bet that it either wins three times and loses once, or loses once and wins three times. In the foregoing deal he would have bet on the A 3 4 6 9 J to lose on the fourth card out of the box, and would have bet on the case cards of the 2 7 8 10 Q K to win. The Soda, it must be remembered, is really a winning card. Of these bets he would have won 5 out of twelve, taking back his money on the 8, as that card was left in hoc. Playing break even, these bets would have been exactly reversed, as all the cards would have played either to win and lose an equal number of times, or to win or lose out; that is, to do the same thing all four times.

Another favourite system is colours. The player takes some definite card, such as the soda, or the first winner or loser, as his starter, and whatever the colour of the third card of each denomination, that is, the card that makes it a case, he plays it to win or lose, according to the system of colours he is playing. Many players reverse on the last turn.

When a player bets one card to lose and another to win, and loses both bets on the same turn, he is whipsawed.

The Last Turn. If three different cards are left in for the last turn, the players can call the turn, naming the order in which they think the cards will be found. Suppose the three cards left in the box are the 9 8 2, these may come in six different ways:—

The odds against any one of these ways are 5 to 1; but the dealer pays 4 for 1 only. In calling the turn, the bet is strung from the selected loser to the selected winner. If the third card intervenes, the bet is strung away from it, to show that it goes round the layout to the other card.

If there are two cards of the same denomination in the last turn, it is called a cat-hop; and as it can come only three ways, the dealer pays 2 for 1. Suppose the cards are 8 8 5, they can come:—

If three cards of the same denomination are left, the call is by the colour, and is paid 2 for 1. Suppose two black and one red card are left. These may come:—

The bets are placed on the dealer’s right for red first; on his left for black and red, and in front of him for two blacks.

CHEATING. If Faro were honestly played, it would be one of the prettiest banking games in the world; but unfortunately the money to be made at this game is so great that the richest prizes in the gambling world are offered to the men who can so handle the cards as to “protect the money of the house.” All systems are not only worthless, but dangerous to use, when opposed to the skill of the modern faro dealer. A first-class “mechanic” can get from one to two hundred dollars a week, and a percentage of the profits; but it is hardly necessary to say that he is not paid that amount simply for pulling cards out of a box. Before venturing to “buck the tiger” get some one to show you how fifty-three cards are shuffled up, so as to make the last turn come the way that there is most money in it for the house. Watch the movements carefully, so that you will know them the next time you see them in a fashionable house, which you imagine to be “dead square.” If you see a dealer with a shuffling board as thick as his dealing box, don’t play against that game. If you see a dealer take up the cards already taken from the box, slipping them one under the other, as if to straighten them up, the sooner you cash your chips the better, for you are up against a brace game, no matter where it is dealt.

The proprietors of some fashionable “clubs,” especially at watering places, pretend to be above all such things as cheating at faro, and get indignant at the suggestion of the possibility of there being anything crooked in their establishments. The author has but one reply to all such. If it is true that there is nothing unfair in your game, let me put a type-writer girl in the dealer’s place to shuffle and pull out the cards, and let your men just see to paying and taking bets.

The boast of all these fashionable gambling houses is that they never won a man’s money except in a square game. Strange to say, this is generally true, and the explanation is very simple. If you are losing there is no necessity to cheat you, so you lose your money in a square game. If you are winning, it is the bank’s money, and not yours, that they would win if they started to cheat you; and as the dealer is paid to “protect the money of the house,” as they call it, he is perfectly justified in throwing the harpoon into you for a few deals, just to get his own money back; but he is very careful not to cheat you out of any of your own money. You may lose if you like, but you cannot win; faro banks are not run that way.

ROUGE ET NOIR, OR TRENTE-ET-QUARANTE.

The banker and his assistant, called the croupier, sit opposite each other at the sides of a long table, on each end of which are two large diamonds, one red and the other black, separated by a square space and a triangle. Any number of persons can play against the bank, placing their bets on the colour they select, red or black.

Six packs of fifty-two cards each are shuffled together and used as one, the dealer taking a convenient number in his hand for each deal. The players having made their bets, and cut the cards, the dealer turns one card face upward on the table in front of him, at the same time announcing the colour he deals for, which is always for black first. The dealer continues to turn up cards one by one, announcing their total pip value each time, until he reaches or passes 31. Court cards and Tens count 10 each, the ace and all others for their face value. Having reached or passed 31 for black, the red is dealt for in the same manner, and whichever colour most closely approaches 31, wins. Suppose 35 was dealt for black, and 38 for red; black would win. The number dealt must never exceed 40.

The colour of the first card dealt in each coup is noted, and if the same colour wins the coup, the banker pays all bets placed on the space marked Couleur. If the opposite colour wins, he pays all bets in the triangle marked Inverse. All bets are paid in even money, there being no odds at this game.

Although black is the first colour dealt for, both it and inverse are ignored in the announcement of the result, red and colour being the only ones mentioned, win or lose.

If the same number is reached for both colours, it is called a refait, and is announced by the word, “AprÈs,” which means that all bets are a stand-off for that coup. If the refait happens to be exactly 31, however, the bank wins half the money on the table, no matter how it is placed. The players may either pay this half at once, or may move their entire stake into the first prison, a little square marked out on the table, and belonging to the colour they bet upon. If they win the next coup, their stake is free; if not, they lose it all. Should a second refait of 31 occur, they would have to lose a fourth of this imprisoned stake, and the remainder would be moved into a second prison, to await the result of the next coup, which would either free it or lose it all.

Probabilities. It has been found that of the ten numbers that can be dealt, 31 to 40, the number 31 will come oftener than any other. The proportions are as follow:—

The 31 refait also comes oftener than any other. Although the odds against it are supposed to be 63 to 1, the bankers expect it about twice in three deals, and each deal will produce from 28 to 33 coups.

ROULETTE.

It is probable that more money has been lost at the wheel than at any other gambling game in the world. In conjunction with Rouge et Noir, it forms the chief attraction at Monte Carlo, and other public gambling casinos. The rage for these games was so great, and the trickery connected with them so common, that they were banished from France by the law of 18 juillet, 1836, and had to take refuge in Baden and Homburg. Before that time the public revenue from the gaming houses amounted to five or six millions a year, all of which was lost by closing them up. The evil was not exterminated, however, for there are to-day hundreds of gambling hells in Europe, which make up for the brevity of their existence by the rapidity with which they fleece their patrons.

In America, the wheel has always been popular, but Rouge et Noir is practically unknown, the reason being that in the latter game there is no variety, and therefore no chance for the player to exercise any judgment, or to play any “system” in making his bets, as he can in Faro.

The Wheel. The roulette wheel is turned by a small cross-bar rising from its axis. The surface of the wheel slopes from the axis to the outer edge, which is divided into small square pockets, coloured alternately red and black, and each having a number just above it, on the surface of the wheel. These numbers may be in any order, according to the fancy of the maker of the wheel, and they may run from 1 to 27, to 30, to 33, or to 36. In addition to the numbers there are zero marks, which are called single and double 0, and Eagle Bird. All three of these are used in American wheels, and they are green, so that they win for neither colour. In some of the European wheels there are two zeros, the single 0 being red, and the double 0 black. The single 0 also counts as “odd,” and as below 19; while the double 0 is “even,” and above 18. Bets on odd or even, above and below, are not paid, however, but must remain on the table until the next roll, when the player either gets back twice his money or loses it all. At Monte Carlo there is only one zero, which is green, and takes everything but bets on itself. The numbers on the wheel are arranged as follows at Monte Carlo, the heavy type being the black:—

The pockets on the edge of the wheel are at the bottom of a sort of circular valley, the centre of which is formed by the revolving wheel, and the outer slope by a stationary but rising margin or border, at the top of which is an overhanging edge, under which the banker spins a small ivory ball, always in the direction opposite to that in which the wheel is turning. As the ball loses its momentum it strikes some little brass ridges, which cause it to jump onto the wheel, and then to run into one of the pockets. The number, the colour, odd or even, and whether above or below, is immediately announced by the banker, and all bets are taken and paid accordingly.

The Layout. The wheel is sunk in the middle of a long table, on each end of which is a layout, and on these layouts all bets are placed. The divisions are as follows:—

The heavy faced type indicates the black numbers:

Bets may be made on the following chances:

1. En plein. Flat upon any number, which pays 35 for 1. The betting limit at Monte Carlo is 180 francs.

2. A cheval, on the line between two numbers, which pays 17 for 1. Betting limit on this chance is 360 francs.

3. Un carrÉ, on a cross line, taking in four numbers. This pays 8 for 1. Limit is 750 francs.

4. Transversale, at the end of any three numbers, and taking them in horizontally. Pays 11 for 1. Limit is 560 francs.

5. Transversale Six, placed on the line at the end, taking in the three numbers horizontally above and below. This pays 5 for 1. Limit is 1,200 francs.

6. Bas. At the bottom of any of the three vertical columns, taking in the twelve numbers. This pays 2 for 1. Limit is 3,000 francs.

7. Bas À cheval, between any two of these columns. This pays ½ for 1. Limit is 3,000 francs.

8. Premier, Milieu, Dernier. Bets placed in the spaces marked P 12, M 12, and D 12, are upon the first, middle and last twelve numbers; that is, from 1 to 12, 13 to 24, and 25 to 36 respectively. This pays 2 for 1. Limit is 3,000 francs.

A cheval between any two of the last mentioned, pays ½ for 1.

In addition to the foregoing, all the following chances may be bet upon. They all pay even money. The limit is 6,000 francs.

9. Impair. That the number will be odd.

10. Pair. That the number will be even.

11. Manque. That the number will be from 1 to 18.

12. Passe. That the number will be from 19 to 36.

13. Rouge or Noir. Red or Black.

The foregoing are the payments at Monte Carlo; but wheels with less numbers are scaled down accordingly. The players can bet on the zero if they choose, and they will be paid if it comes up, 35 for 1, but all other bets are lost. In wheels with two zeros, red and black, the bank wins on the colour which does not come, and the bets on the right colour are neither paid nor taken, but must remain until the next turn of the wheel. This is now the practice at Monte Carlo, with the single-zero wheels.

Systems. As at Faro, gamblers at Roulette are never tired of devising systems to beat the game; but none of them are of any further use than to afford a little passing amusement to their inventors. Persons who are interested in systems will find in the New York Sun, July 5, 1896, a very interesting tabulation of every roll of the ball at Monte Carlo for seven successive days, 4,012 in all, of which 120 were zeros. If they can find a system that will beat the wheel for seven days, and have a return ticket, Monte Carlo will take care of all their spare cash.

One curious fallacy about some systems is to imagine that they will win if the player will quit when he is a certain amount ahead, and not play again until next day. Until some rule can be given by which the exact hour can be fixed to begin play, all such systems must be delusions, as there is no reason why a second man should not begin where the first left off, and therefore no reason why the first should not continue playing all the time.

It is in the interest of the proprietors of all gambling houses to pretend to be afraid of systems. The word is passed round, and the deluded gamesters think they have found the thread which has held the sword of Damocles above the banker’s head so long. As a matter of fact, there is no one so welcome at a gambling house as a player with a system. A man may be fortunate enough for a long time to guess right oftener than he will guess wrong, and a lucky man in good guessing form is a very dangerous customer, that no cold deck will beat; but a man with a system surrenders to a double foe; the inevitable percentage of the game, and the skill of the banker, who can beat any system if the player will only promise to stick to it.

KENO, OR LOTTO.

This game is played with a large number of cards, on which are printed various permutations of the numbers 1 to 90, taken five at a time; but each of the five numbers selected for one combination must be in a separate division of tens, such combinations as 2 4 8 16 18 not being allowed on any card, because the 2 4 and 8, for instance, are all in the first ten numbers of the 90. These cards have each a number, printed in large red type across the face of the other figures. The following might be a keno card, No. 325:—

Some cards have more than three rows of figures on them, but none have more than five in one row.

The cards are left on the tables in large numbers, and any number of persons may play. Each selects as many cards as he wishes, or thinks he can watch, and places upon them their price, usually twenty-five cents each. An assistant comes round and calls out the numbers of all the cards to be played, and they are “pegged” on a large board provided for the purpose.

Ninety small ivory balls, with flattened surfaces to carry the numbers, are placed in a keno goose, which looks like a coffee urn with the spout at the bottom. This spout can be screwed out to put in the balls, and is controlled with a spring cut-off like a powder horn, which lets out only one ball at a time. When all the cards have been pegged, the goose is rapidly revolved several times back and forth, and then a number is taken out, and placed in a little tray with ninety depressions in it, numbered in regular order, which hold the balls as they come from the goose. The keno roller calls each number distinctly, and the players who find it on their cards cover it with a button. The first player to get a horizontal row of five numbers covered in this manner, calls out “Keno!” or bangs the table with a card, and that stops the game. An assistant comes round to the table and calls out the number of the card; if it has been paid for and pegged, he proceeds to call the numbers forming the keno, and these are checked by the roller from the balls on the tray. If everything is correct, the player is given all the money paid by the other players for their cards, less the ten per cent which goes to the house. If two kenos are made on the same number, they divide the pool equally.

As an illustration of the profitable nature of the game for the house, it may be remarked that if ten men were to play keno for a dollar a card, and each of them made keno ten times, they would all be “dead broke;” because on each of the hundred kenos at ten dollars each, the bank would have taken out its dollar percentage.

CHUCK-LUCK.

This game is sometimes called Sweat, and again, but erroneously, Hazard. It is played with three dice, which are usually thrown down a funnel in which several cross-bars are placed. The player is offered five different forms of betting, all of which appear on the Layout, and which cover all the combinations possible with three dice.

The Raffles are sometimes indicated by a representation of one face of a die. Bets on single numbers pay even money, if the number bet on comes up on the face of any of the three dice. If it comes up on two of them, such as two deuces, it pays double; but if all three dice are alike it is a raffle, and the house takes all bets not placed on raffles. Bets on the numbers from 18 to 3 are upon the total count of the pips on the upper faces of the three dice. The small figures under these numbers show the odds paid; 14, for instance, pays twelve for one. All raffles pay 180 for one; the same as 18 or 3.

Bets on High and Low, Odd or Even, pay even money. High throws are all above 10, and low throws are all below 11. This would be perfectly even betting if the house did not take raffles. Some houses allow a player to bet on raffles generally; that is, to bet that a raffle of some kind will come. Such bets are paid 30 for 1.

The percentage of the house, even in a square game, may be seen from the following table, which gives the odds against the event, and the odds which the house pays:—

Cheating. There are endless ways of swindling at Chuck-luck, the most modern being to turn the dice over after they have reached the table through the funnel. This is done by an apparatus under the cloth, the dealer looking down the funnel to see how the dice lie, and then adjusting them to suit himself. Another method is to hold out one die, throwing only two down the funnel, and slipping the third down the outside, turning it so that when it is combined with the two already in the funnel it will beat the big bets on the layout. Raffles can be forced in this way whenever the two dice in the funnel are paired.

RONDEAU.

This game is played on a pocket billiard table. The banker asks for bets on the inside and outside, and the amounts staked on each side must balance. So long as they do not balance, the banker must ask for what he wants: “Give me fourteen dollars on the outside to make the game,” etc. As soon as the amounts balance, and no more bets are offered, he says: “Roll. The game is made.”

A round stick, about a foot long, is placed behind nine small ivory balls. Any person may roll. He takes his stand at one corner of the table and rolls the balls across the table to the pocket diagonally opposite him. At least one ball must go into the pocket and one must be left out, or they must be rolled over again. The number of balls left outside the pocket, odd or even, decides whether the inside or the outside bets win; and after the banker has deducted his ten per cent, the players who have backed the winning side get their money.

MONTE BANK.

The money staked by the banker is piled upon the table, so that all players may see what is to be won. The banker takes a Spanish pack of forty cards, shuffles them, and offers them to the players to be cut. Holding the pack face down, the banker draws two cards from the bottom and places them on the table, face up, for the “bottom layout.” He then draws two cards from the top of the pack for the “top layout.”

The players can bet on either layout, and after all the bets are placed the pack is turned face up. The card that shows is called the “gate.” If it is of the same suit as either of the cards in the top layout, the banker pays all bets on that layout. If there is a card of the same suit as the gate in the bottom layout, the banker pays that also. If there is no card of the same suit as the gate in either of the layouts, the banker wins from that layout; so that he may win or lose from either or both on the same gate.

The pack is then turned face down, the gate is drawn off and thrown aside and two fresh layouts are made, as before and the bets placed before the new gate is shown. This is continued until the pack is exhausted.

THREE-CARD MONTE.

This is a purely gambling game, chiefly useful for separating fools from their money. The dealer takes three cards, slightly bent lengthwise, so as to be more easily picked up by the ends. One of these is shown, and the players are told to watch it. After a few skilful passes, the three cards come to rest on the layout, and the players are asked to bet that they can pick out the card shown.

If the dealer will lay two to one, it is a fair gamble; but if he lays even money only, the player is betting two to one against himself. There are endless ways of pretending to mark the shown card, so that it may be known by the back; but the dealer or his confederate always knows that this is done, and the mark is shifted during the passes.

UNDER AND OVER SEVEN.

This game is played with a layout, divided and marked as follows:—

The players can bet on any of the three spaces. Two dice are thrown by the banker, and if the number thrown is under seven he pays all bets upon the U, even money, taking all those upon 7 and O. If the throw is over seven, he pays all bets upon the O, taking all those upon U and 7. If seven is thrown, he pays all bets upon that number, three for one, and takes all upon U and O.

As there are 36 possible throws with two dice, 15 being under and 15 over seven, the percentage in favour of the banker is always 21 to 15, on U and O. As there are only 6 ways out of 36 to throw seven, the odds against it are 5 to 1; but the banker pays only 3 for 1. In spite of this enormous percentage in his favour, he frequently adds to his revenue by skilful cheating.

LANSQUENET.

This is a banking game for any number of players, with a pack of fifty-two cards. After the pack has been shuffled and cut, the dealer lays off two cards, face up for “hand cards.” He then deals a card for himself and one for the players, also face up. If either of these is of the same denomination as either of the hand cards, it must be placed with them, and another card dealt; because all bets must be made on single cards.

Having two cards, one for the players and one for himself, the banker turns up cards one at a time. If he draws the same denomination as the players’ card, he wins all the bets upon it. If he draws his own denomination, he loses all bets upon the other card. If he draws a card that matches neither, and is not in the hand cards, it is placed on the table, and the players can bet upon it.

As soon as the players’ card is matched, the banker withdraws both cards, but he cannot withdraw his own card. All cards matching the hand cards must be placed with them.