You play in a four deck game and get a 3 and a 9 for a Two card sum of 12while the dealer turns over an upcard of 4. Which option do you choose?
This may look inviting, because if you have 12, there is only one Card valueto which one busten can, namely a ten card (which includes tens and all picture cards).
Stop with 12 vs 4
If the dealer has an upcard of 4, there is a Bust opportunity of 40%. Conversely, man will be a loser in 60% of the time. If you still take a third card in this situation with 12, win You slightly less and lose about 58% of your hands (pushes count for the difference).
This is a very close call. In fact, taking a card is almost as advantageous (if that's even the right word) as standing still.
There is very little advantage to standing here with 12 against a dealer's 4 - about half a percent, to be exact.
And you'll find, if you ever get into card counting, that if you have a rather low negative count (i.e., a higher than usual ratio of low value cards to high value cards that have yet to be played), you'll take one more card at 12 vs. a 4