Hi-Lo Basics (-1 through +6)

Question 1

Soft 19 (A8)

Answer 1

Stand

Question 2

Soft 18 (A7)

Answer 2

Hit dealer’s 9 or 10, hit dealer’s A if 0/-, otherwise stand

Question 3

Soft 17 (A6)

Answer 3

Hit

Question 4

Hard 17

Answer 4

Stand

Question 5

Hard 16

Answer 5

Stand on the dealer’s 2 through 6

Hit on the dealer’s 7, 8, A

Hit the dealer’s 9 if +4 or less

Hit the dealer’s 10 if -

Question 6

Hard 15

Answer 6

Stand on the dealer’s 2-6

Hit on the dealer’s 7, 8, 9, A

Hit the dealer’s 10 if +3 or less

Question 7

Hard 14

Answer 7

Stand on the dealer’s 2 through 6

Hit everything else

Question 8

Hard 13

Answer 8

Hit dealer’s 2 if - (otherwise stand) Stand against dealer’s 3 through 6 Hit everything else

Question 9

Hard 12

Answer 9

Hit dealer’s 2 if +2 or less (stand if more) Hit dealer’s 3 if +1 or less (stand if more) Hit dealer’s 4 if - (otherwise stand) Stand against dealer’s 5 Hit dealer’s 6 if - (otherwise stand) Hit everything else

Question 10

Double down 11

Answer 10

Dealer’s 2 through 10, A if +

Question 11

Double down 10

Answer 11

Dealer’s 2 through 9, 10 and A if +4 or better

Question 12

Double down 9

Answer 12

Dealer’s 2 if +1 or better, 3 if 0 or better, 4 through 6, 7 if +3 or better
-: Dealer’s 4 through 6

Question 13

Double down 8

Answer 13

Dealer’s 4 if +5 or better, 5 if 3 or better, 6 if +1 or better

Question 14

Double down A9

Answer 14

Dealer’s 4 if +6 or better, 5 if +5 or better, 6 if +4 or better

Question 15

Double down A8

Answer 15

Dealer’s 3 if +5 or better, 4 if +3 or better, 5 and 6 if +1 or better

Question 16

Double down A7

Answer 16

+/0: Dealer’s 2 through 6

-: Dealer’s 3 through 6

Question 17

Double down A6

Answer 17

+: Dealer’s 2 through 6

0/-: Dealer’s 3 through 6

Question 18

Double down A5

Answer 18

Dealer’s 3 if +4 or better, 4 through 6

Question 19

Double down A4

Answer 19

+/0: Dealer’s 4 through 6

-: Dealer’s 5 and 6

Question 20

Double down A3

Answer 20

Dealer’s 4 if +1 or better, 5 and 6

Question 21

Double down A2

Answer 21

+/0: Dealer’s 4 if +3 or better, 5 and 6

-: Dealer’s 6

Question 22

Split A,A

Answer 22

+/0: Always

-: Dealer’s 2 through 6, 7 through A on -1 or better

Question 23

Split 10, 10

Answer 23

Dealer’s 4 if +6 or better, 5 if +5 or better, 6 if +4 or better

Question 24

Split 9,9

Answer 24

Dealer’s 2 through 9 except both 7 and A if +3 or better

Question 25

Split 8,8

Answer 25

Always, except if Dealer's upcard is 10, count must be +7 or less

Question 26

Split 7,7

Answer 26

Dealer's 2 through 7, 8 if +5 or better

Question 27

Split 6,6

Answer 27

Dealer's 2 through 6

Question 28

Split 4,4

Answer 28

Dealer's 4 if +3 or better, 5 and 6 | Splitting is better than doubling down if doubling is allowed after splitting

Question 29

Split 3,3

Answer 29

Dealer's 2 through 7, 8 if +4 or better -: Dealer's 3 through 7

Question 30

Split 2,2

Answer 30

Dealer's 2 through 7, 8 if +5 or better

Question 31

Insurance

Answer 31

Buy insurance if the true count is greater than or equal to +3

Question 32

Game in progress

Answer 32

Treat dealt cards the same as unseen cards. Start your count with your hand, and adjust true count accordingly.

Question 33

Truncation

Answer 33

Truncate counts, do not round. +2.5 = +2

Question 34

Betting Plan

Answer 34

Negative count: 1/2 unit (rounded from 2/5) 0/+1: 1 unit +2: 2 units +3: 3 units +4 and above: 4 units