Two Total

Two Total

The average gambler will be able to place a bet in a matter of minutes. The first thing the customer will do is use the link that goes to the casinos open an account page. This is where they will set up the account and their banking information on where to deposit their winnings. Gambling money can be deposited by using a credit card, electronic check, certified check, money order, or by using a wire transfer. Sports Interaction is a typical online bookmaker located on an Indian reservation in Canada. The "rules" page for this site states: "All bets are
considered to be placed and received in Kahnawake Mohawk Territory, Canada, under the authority of the license issued by the Kahnawake
Gaming Commission. Kahnawake is the place of jurisdiction and performance / fulfillment." The validity of this statement is questionable. The
homepage for this company states that the service is completely legal. Only if the customer were to read the "Help" page would he or she see
this warning: "You should check your own laws on whether or not it is legal to bet in your area. "

Following the opening of an account, the user is ready to bet. Sports Interaction allows users to place bets on an almost endless number of
games, individual performances, and future occurrences. Games that can be wagered upon include: college and professional basketball,
professional baseball, college and professional football, professional hockey, amateur and professional soccer, cricket, and rugby. Bets can
also be placed upon individual sports like professional tennis, professional golf, horse racing, automobile racing, and professional boxing.
Further, the online bookmaker also allows users to place futures bets, which are not based upon a particular contest. A good example of a
futures wager would be placing a bet in February on who would win the World Series. All of these types of bets can be made simply by clicking
on the team in which the user thinks will win the game or "cover the spread" and then entering the amount the user wishes to wager.

The next step for the online gambler depends on the result of the event. If the gambler's bet was correct, an amount (that depends on the odds of
the occurrence) is credited to his or her account automatically. The customer can choose to leave this amount in the account for future bets or
request that a check be sent to their residence. If the bet is lost, obviously, the amount of the bet is simply deducted from the user's account.

The player's objective is to get a hand that is closer to 9 in value than the banker's. The game is played modulo 10, that is if the total of the hand is greater than 10, then 10 is subtracted from the total. (Thus the value of a hand is always between 0 through 9)

For example, if the players cards total 15, 10 is subtracted and the value of the hand becomes 5. An ace counts as 1, two counts as 2, etc. , up through nine counts as 9, but tens (also jacks, queens and kings) count as 0.

The maximum number of cards in a baccarat hand is three.
If the banker or the player has an eight (natural eight) or a nine (natural nine) on the first two cards dealt, no further cards are drawn.
The player always draws when the hand is a five or less, unless the banker has a natural, and stands on a six and seven.
The banker draws if the hand is a
a) three and the player's hand stands on a six or a seven, or draws anything but a face card or an eight.
b) four and the player's hand stands on a six or a seven, or if he draws any card between two and seven inclusive.
c) five and the player's hand stands on a six or a seven, of it he draws any card between four and seven inclusive.
d) six and the player draws a six or a seven.
he banker always stands if the player stands on a six or a seven.

There are two hands dealt regardless of how many players there are: the banker's hand and the player's hand. Both the banker and the player are dealt two cards, and depending on the value of the hand, might be dealt a third in either case. The task for you as a player is to bet on the banker's hand, the player's hand, or a draw, which means that the two hands are tied. The payout for winning a bet on the banker's or the player's hand is even money, or 1 to 1 and winning draw bets are paid off at 8 to 1 odds or 9 to 1 depending on where you are playing. Although the payoff for winning a draw bet is much more appealing, the chances of actually getting it are pretty low.

If the player or banker has a two card total of 8 or 9, he/she turns the cards over immediately. The other must do so also. (In online baccarat cards are always face up) A 9 value wins over any lesser total, and if neither player has a 9 then 8 wins over any lesser total. Tied 9s or tied 8s are a stand off; no money changes hands (unless ties can be bet on)

If neither the player or the banker has a natural (a total of 8 or 9) then play goes to the player. The player stands on a total of 6 or 7, but if the player has a total of 5 or less he/she must draw one card (face up)

Now it is the bankers turn. With a total of 7, he stands. With a total of 6 or less, his selection depends on the value of his two card total and the value of the card that the player drew.

• Pair of Jacks or Better - Pair of Jacks, Queens, Kings or Aces. Achieveing this will return whatever you have bet.
• Two Pairs - A hand that contains two pairs such as two 3's and two 7's. Achieving this pays double your bet.
• Three Of A Kind - Three cards that are the same numberwise. Achieving this pays 3X your bet.
• Straight - All 5 cards consecutive but not in the same suit. For example, 5, 6, 7, 8, 9. Achieving this pays 3X your bet.
• Flush - Any 5 cards of the same suit, the numbers do not matter. Achieving this pays 5 to 6X your bet.
• Full House - Two cards of the same value and three cards of the same value such as 7, 7, Queen, Queen, Queen. Achieving this pays 6-9X your bet.
• Four Of A Kind - Four cards of the same numerical value such as four 10's. Achieving this pays 25X your bet.
• Straight Flush - Five cards of the same suit in numerical order such as 5, 6, 7, 8, 9 of hearts. Achieving this pays 50X your bet.
• Royal Flush - Five cards of the same suit, MUST be 10, Jack, Queen, King, Ace. Achieving this pays 250X your bet if you bet 1 to 4 coins and 4000X your bet if you bet 5 coins.

The website for English Harbour appears very comprehensive especially on security and banking issues which is encouraging. It does stress that it is only compatible with Windows systems however. Two different downloads are offered depending on the number of games that you want to play which we think is a useful feature, especially for those of you with slow download capability.

Unfortunately, we don't think that the casino itself lives up to the expectation caused by the website. English Harbour are no longer with Microgaming and have opted for Odds-On as their software provider. We are not aware of the reasons for the move but can only assume it was for cost concerns as the new playing interface is far less impressive than the standard Microgaming interface, in our opinion. The slots are simple and dull and only offer one 5-Reel machine. The lack of bonus features becomes tedious very quickly. The triple slots function is novel and allows you to play three slots of your choice simultaneously. They are still dull however and we could not get excited by it.

The email support is non-existent in our experience. Having asked specific questions of the support team, we received a non-relevant auto-responder and some months later, still haven't received answers to our specific questions.

It is not however, all negative. If you can put up with the average playing interface, English Harbour do offer some great competitions and prize draws. These would typically include holidays to Vegas, a sports car and various cash prizes.

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