Last reviewed: July 10, 2026

Baccarat rules · card values, final-digit scoring, Banker / Player / Tie, third-card rules and table checks

Baccarat RulesCard Values, Banker / Player / Tie, Third-Card Rules, Commission and Variants

Direct answer: baccarat usually starts with a user choosing a bet label - Banker, Player, Tie or an optional side bet - then the game deals Player and Banker hands. Cards 2-9 count face value, 10 / J / Q / K count 0, aces count 1, and only the final digit of the total matters.

The user does not choose when to hit or stand. Drawing is controlled by automatic table rules. Commission, no-commission rules, Tie paytables, side bets, live / RNG / speed / squeeze features and state / operator access must be checked on the exact table before any real-money decision.

Baccarat rules answer

How baccarat rules work

Short answer: baccarat is simple because the user mostly chooses a bet label before the deal, not decisions during the deal. The table deals two hands called Player and Banker. The hand closest to 9 wins, using final-digit scoring. If no natural 8 or 9 appears, automatic third-card rules decide whether more cards are drawn.

Baccarat round = choose bet label -> deal Player and Banker hands -> final-digit totals -> natural check -> automatic third-card rules -> settlement by paytable.

Use this page forCard values, final-digit totals, Banker / Player / Tie labels, natural 8 / 9, third-card rules, commission, no-commission variants and rules-screen checks.

Check firstExact table rules, commission, no-commission push rules, Tie payout, side-bet paytables, table limits, live / RNG format and state / operator availability.

Strategy boundaryBaccarat has low decision load after the wager. Strategy claims mostly concern bet selection, side-bet avoidance and session control, not player actions during the hand.

BoundaryRules knowledge does not guarantee profit, safe play, legal access, payout approval, KYC approval, fairness or a winning session.

Affiliate disclosure: The Playbook USA may earn commissions from commercial pages elsewhere on the site. This educational rules page does not include direct operator funnels, deposit prompts or bonus calls to action.

Baccarat rules in 90 seconds

This is the fastest complete version for beginners. Deeper examples and table-specific caveats follow below.

Baccarat basics and the first caveat to remember.
Rule area	Plain answer	First caveat
Objective	The winning hand is usually the hand closest to 9.	Settlement depends on the selected bet label and paytable.
Card values	Aces = 1, cards 2-9 = face value, 10 / J / Q / K = 0.	Do not import blackjack ace or face-card logic.
Final digit	Only the final digit of the total counts.	A raw 15 is a baccarat 5.
Bet labels	Banker, Player and Tie are wager labels.	They do not mean the user controls either hand.
Natural	A two-card 8 or 9 usually stops drawing.	Verify variant wording.
Third card	Drawing is automatic under table rules.	The user does not choose hit or stand.
Commission	Standard Banker wins may include commission.	No-commission tables can add different push or special-total rules.
Side bets	Optional wagers use separate paytables.	High payout does not prove safer or better value.

Baccarat card values and final-digit scoring

Baccarat scoring is not blackjack scoring. Aces are always 1, face cards are 0, and only the final digit of the total counts.

Baccarat card values and common beginner mistakes.
Card	Baccarat value	Example	Common mistake
Ace	1	A + 7 = 8.	Thinking ace can be 11 like blackjack.
2-9	Face value	6 + 3 = 9.	Forgetting only final digit matters after 9.
10	0	10 + 8 = 8.	Counting 10 as ten.
J / Q / K	0	K + 7 = 7.	Counting face cards as 10.
Any total above 9	Final digit only	8 + 7 = 15, baccarat total 5.	Using the raw total as the score.

Worked examples: how baccarat totals are read

Use these examples before reading third-card tables. The same final-digit rule applies to two-card and three-card hands.

Baccarat hand-total examples using final-digit scoring.
Example hand	Raw total	Baccarat total	Rule note
9 + 8	17	7	Only the final digit counts.
K + 7	7	7	King counts as 0.
A + 9	10	0	Ace is 1, then final digit 0 is the score.
6 + 4 + 8	18	8	Third-card hands use the same final-digit rule.
Q + 5 + 9	14	4	Queen adds 0; final digit of 14 is 4.
2 + 3 + 4	9	9	A three-card 9 can still be a final total, but not a two-card natural.

How a baccarat round works

Baccarat has low player decision load after the wager. The main user choice is the bet label before the cards are dealt.

Baccarat round flow from wager to settlement.
Step	What happens	What the user controls	What to verify
1. Choose bet label	User selects Banker, Player, Tie or optional side bet if offered.	Bet label and stake.	Minimum, maximum, payout and commission rules.
2. Initial deal	Two cards are dealt to Player hand and two to Banker hand.	No card action.	Live / RNG / speed / squeeze format and rules screen.
3. Score totals	Each hand total uses baccarat card values and final-digit scoring.	No scoring action.	Variant-specific scoring if named variant differs.
4. Natural check	A two-card 8 or 9 usually ends drawing.	No draw action.	Natural-hand wording in rules screen.
5. Third-card rules	If no natural appears, automatic drawing rules may apply.	No hit / stand decision.	Player and Banker third-card tables.
6. Settlement	Winning bet label is paid by table paytable.	No settlement action.	Commission, no-commission push rules, Tie payout and side-bet settlement.

Natural 8 or 9 rules

A two-card total of 8 or 9 is usually treated as a natural. When a natural appears, third-card drawing normally stops. Confirm the exact table wording because live, speed, squeeze and no-commission variants can publish table-specific rules.

Natural hand rules and common confusion.
Hand type	Common rule	Common confusion	Table check
Two-card 8	Usually a natural.	Thinking a later three-card 8 is the same natural state.	Natural wording and draw-stop rule.
Two-card 9	Usually a natural.	Assuming it predicts future hands or streaks.	Natural wording and settlement.
Three-card 8 or 9	Strong final total, but not usually a two-card natural.	Calling every 8 or 9 a natural.	Exact rules-screen terminology.

Third-card rules: Player and Banker reference tables

Most baccarat confusion comes from third-card rules. These tables describe common standard baccarat logic as a reference point. They are not a substitute for the exact operator rules screen, especially on live, speed, squeeze, no-commission or branded variants.

Player third-card reference table.
Player total	Common action	Verify	User control
0-5	Player draws a third card.	Displayed Player draw table.	No user hit / stand choice.
6-7	Player stands.	Whether the variant keeps this standard rule.	No user hit / stand choice.
8-9	Natural; drawing normally stops.	Natural handling and settlement wording.	No user hit / stand choice.

Banker third-card reference table after Player third-card context.
Banker total	Common action	Verify	Caveat
0-2	Banker draws.	Whether the table uses standard Banker draw logic.	Variant rules can override generic reference.
3	Banker usually draws unless Player third card is 8.	Player-third-card exception.	Check exact rules screen.
4	Banker usually draws when Player third card is 2-7.	Accepted Player-card range.	Check exact rules screen.
5	Banker usually draws when Player third card is 4-7.	Accepted Player-card range.	Check exact rules screen.
6	Banker usually draws when Player third card is 6-7.	Accepted Player-card range.	Check exact rules screen.
7	Banker stands.	No variant exception applies.	Check exact rules screen.
8-9	Natural or stand condition; drawing normally stops.	Natural handling and variant notes.	Check exact rules screen.

Variant warning: no-commission, squeeze, speed and branded baccarat variants can add push, payout, draw or special-total rules. Do not use a standard third-card table as final evidence for a specific real-money table.

Banker, Player and Tie bet labels

Banker and Player are labels for the two hands. They do not mean the casino and user are personally controlling those cards.

Baccarat bet labels and rules-screen checks.
Bet label	What it means	What not to infer	Rules check
Banker	A wager that the Banker hand wins under table rules.	It is not a guarantee, forecast or casino-always-wins proof.	Commission, no-commission rules, push rules and payout.
Player	A wager that the Player hand wins under table rules.	It does not mean the user controls the Player hand.	Payout, third-card table and variant notes.
Tie	A wager that both hands finish with the same total.	High payout does not prove safer or better value.	Tie payout, paytable and side-bet terms.
Pairs / side bets	Optional bets on specific outcomes beyond the main Banker / Player / Tie result.	Side-bet names do not change main-hand rules.	Exact side-bet paytable and eligibility rules.

Baccarat bet reference: what the common numbers mean

This table gives a generic eight-deck punto banco education layer, not a table-specific promise. The final source for a real-money decision is still the displayed rules screen, paytable and variant terms.

Common baccarat bet reference and caveats.
Bet area	Generic reference	What it helps explain	Caveat
Banker	Often cited around 1.06% house edge with standard 5% commission.	Why many strategy pages discuss Banker first.	Not a guarantee, not a forecast, and no-commission variants can change settlement.
Player	Often cited around 1.24% house edge under standard rules.	Why Player is a main bet but not a prediction tool.	Still negative expectation over time and still random per hand.
Tie	Common 8:1 Tie paytables are usually much more expensive than Banker or Player; 9:1 tables differ.	Why high payout labels should not be read as safer play.	Tie payout must be checked on the exact table before any claim.
Pairs and side bets	Side-bet paytables vary widely by provider and operator.	Why side bets need their own paytable, not a generic rule summary.	Do not treat side bets as strategy, value or recovery tools.
No-commission Banker	Commission may be removed, but special push or reduced-payout rules can appear.	Why no commission is not automatically better.	Exact no-commission rule controls settlement.

Commission, no-commission and baccarat variants

Do not assume that every baccarat table uses the same payout model. Variant names can look similar while changing commission, push treatment, speed, squeeze features or special totals.

Baccarat variant checks and why they matter.
Variant area	What to check	Why it matters	Do not assume
Standard commission	Whether Banker wins charge commission and how it is displayed.	Commission changes the settled amount.	Displayed Banker payout is net of all commission.
No-commission	Whether any Banker totals push, pay differently or trigger special rules.	No commission can include rule tradeoffs.	No commission means better value.
Live dealer	Table limits, speed, squeeze features, table ID and rules-panel visibility.	Presentation and pace can affect session control.	Live format is safer or better odds.
RNG baccarat	Help screen, paytable, autoplay settings and mobile controls.	Fast repetition can increase session risk.	RNG streaks prove fairness or unfairness.
Speed baccarat	Timer, decision window, repeat-bet control and rules panel.	Faster pace can reduce reflection time.	Faster table is easier to control.
Squeeze baccarat	Whether squeeze is visual only or changes timing/interface.	The reveal feature can increase engagement without changing math.	Squeeze gives card insight or control.

Rules-screen checklist before using baccarat rules

The exact rules screen is the final source for a table-specific decision. Use this checklist before relying on a generic baccarat explanation.

What to check on a baccarat table before applying rules.
Check	What to look for	Why it matters	Boundary
Format	Live dealer, RNG, speed, squeeze or branded variant.	Format affects pace and evidence record.	Format does not prove safety.
Card values	Standard baccarat values or variant wording.	Prevents imported blackjack assumptions.	Generic rules do not override table wording.
Natural handling	Two-card 8 or 9 treatment.	Controls whether drawing stops.	Verify exact variant language.
Third-card rules	Player and Banker draw tables.	User does not choose hit / stand.	Do not rely on memory.
Commission	Banker commission or no-commission settlement.	Changes final payout.	No commission can add tradeoffs.
Tie payout	8:1, 9:1 or table-specific payout.	Tie bet assumptions depend on paytable.	High payout is not safer play.
Side bets	Pairs, Dragon, Panda or other optional paytables.	Side bets settle separately.	No side bet is a recovery tool.
Limits and speed	Minimum, maximum, timer, repeat-bet and autoplay controls.	Pace and limits can affect session risk.	Limits are not responsible-gambling tools.
State / account availability	Operator, market type, geolocation, KYC and device restrictions.	Availability is not universal.	This page is not legal advice.
Responsible-gambling tools	Limits, timeouts, cool-off, self-exclusion and support links.	Support tools should be visible before funding.	Tools do not make gambling safe.

Common baccarat rules mistakes

These mistakes are common because baccarat looks simple, but table-specific details still matter.

Common baccarat mistakes and the safer correction.
Mistake	Correction	What to check	Risk boundary
Thinking Banker means the casino	Banker is a bet label for one hand.	Bet-label rules and commission.	It is not a guarantee.
Thinking Player means the user controls the hand	Player is a bet label, not user control.	Bet-label rules.	User does not hit / stand.
Thinking third-card rules are optional	Drawing is automatic under table rules.	Player / Banker third-card table.	No user draw choice.
Ignoring commission	Commission changes Banker settlement.	Commission line and payout display.	Do not compare tables without settlement rules.
Assuming no-commission is better	No-commission tables can add push or reduced-payout rules.	No-commission special totals.	No commission does not mean no tradeoff.
Treating Tie payout as safer play	Tie is usually a high-payout optional bet requiring exact paytable review.	Tie payout and house-edge context.	High payout is not safety.
Using streaks as prediction	Past hands do not force the next result.	Stop-signal table.	Due-result thinking is a harm signal.
Believing squeeze reveals control	Squeeze changes reveal presentation, not outcome control.	Live / squeeze rules and pace.	Engagement feature is not strategy.

Availability, state and operator boundary

Baccarat rules are not the same thing as baccarat availability. A game can be easy to understand and still unavailable, restricted or different by state, operator, device, market type, live / RNG provider or account status.

Availability checks that this rules page does not own.
Question	Needs evidence	Route	Boundary
Can I play baccarat in my state?	State law / status, operator availability, geolocation and account eligibility.	State guides	This page is not legal advice.
Which baccarat table should I choose?	Exact rules screen, commission, paytable, side bets, table limits and responsible-gambling tools.	Baccarat rules and Other casino games FAQ	No table recommendation here.
Which casino is best for baccarat?	State availability, table rules, bonus terms, KYC / payment and responsible-gambling tools.	Other casino games casino comparison	Ranking is not legal, payout or safety proof.
Can I withdraw winnings?	KYC, payment method, approval versus settlement and operator terms.	KYC guide and withdrawal guide	A game result is not payout approval.
Are winnings taxable?	Current IRS guidance and user-specific tax situation.	Gambling taxes guide and federal tax guide	This page is not tax advice.

What to verify before using baccarat rules

Use this checklist to keep general rules separate from table-specific decisions. A simple rule can change once commission, no-commission terms, side bets, live / RNG format or operator availability enter the picture.

Baccarat rule claims, source requirements and reader takeaways.
What to check	General rule	Where to verify	Reader takeaway
Card values	Aces count 1; 10 / J / Q / K count 0; final digit matters.	Official operator rules page or current table rules screen.	Use as general rule, then check exact table.
Natural handling	Two-card 8 or 9 usually stops drawing.	Exact table rules screen.	Confirm variant wording.
Third-card rules	Drawing is automatic; user does not choose hit / stand.	Player and Banker third-card tables.	Rules screen controls drawing.
Banker / Player / Tie	These are bet labels.	Rules screen and paytable.	Labels do not equal control roles.
Commission	Standard Banker wins may charge commission.	Commission line and payout display.	Settlement can differ from headline payout.
No-commission	No-commission tables can add push or special payout rules.	No-commission special-total terms.	No commission can have tradeoffs.
Tie and side bets	High payout labels do not prove safer play.	Exact paytable and side-bet terms.	Paytable must match exact table.
State / account access	Availability varies by state, operator and account.	Official state / operator source.	Rules knowledge is not legal availability.
Tax note	Gambling winnings may be taxable in the United States.	IRS Topic 419.	Keep records; not tax advice.
Responsible-gambling support	Use support when pressure, chasing or loss stress appears.	NCPG chat and 1-800-MY-RESET.	Support before escalation.

Worked examples: reading baccarat rules correctly

These examples explain rules interpretation. They are not strategy recommendations, predictions, casino recommendations, legal advice or tax advice.

Example 1: Banker is not the casino

Situation: The user sees Banker and Player on the table.

Correct reading: Banker and Player are hand labels and bet labels.

Boundary: Betting Banker does not guarantee a win.

Example 2: Raw total vs baccarat total

Situation: A hand has 9 + 8.

Correct reading: Raw total is 17, baccarat total is 7.

Boundary: Final-digit scoring does not predict the next hand.

Example 3: Player third-card draw

Situation: Player two-card total is 5.

Correct reading: Under common standard rules, Player draws.

Boundary: Exact table rules still control.

Example 4: Banker third-card condition

Situation: Banker total is 3 and Player third card is 8.

Correct reading: Common reference logic treats 8 as the exception.

Boundary: Do not use memory instead of the rules screen.

Example 5: No-commission wording

Situation: A table says no commission.

Correct reading: Check whether Banker 6 or another total pushes or pays differently.

Boundary: No commission does not automatically mean better value.

Example 6: Tie payout

Situation: Tie shows a higher payout than Banker or Player.

Correct reading: Tie is a separate high-payout bet with its own paytable.

Boundary: High payout does not prove safer play.

Example 7: Squeeze feature

Situation: A live table offers squeeze reveal.

Correct reading: Squeeze changes presentation and pacing, not card control.

Boundary: Squeeze is not strategy or prediction.

Example 8: Streak history

Situation: Banker won several hands in a row.

Correct reading: Past results do not force the next hand.

Boundary: Due thinking is a stop signal.

Source snapshot for baccarat rules

Sources support rule boundaries and technical context. They do not make baccarat profitable, legal, safe or predictable.

Sources used for baccarat rules, technical context, tax note and responsible-gambling routing.
Source	Source owner	Checked	What it supports	What it does not prove
Baccarat rules definitions used on this page	The Playbook USA	July 10, 2026	Plain-language baccarat rule explanations.	Exact table-specific settlement.
Posted baccarat table rules or game help screen	Table / operator / provider	Before applying rules to a real table	Exact card values, draw table, commission, paytable, side bets, limits and variant terms.	Profit, legal availability or payout approval.
Exact operator terms where availability is discussed	Operator	Before commercial / status claims	State / account availability, KYC, payment and responsible-gambling tool terms.	Safe play or payout approval.
Applicable U.S. state regulator or official product page	U.S. state regulator or official source	If legal / status / availability is discussed	Official state / product status context.	Personalized legal advice or recommendation to play.
Independent testing lab certificate shown for exact game / provider / table	Disclosed testing lab	If displayed by provider / operator	Whether a specific table discloses testing / certification evidence.	Session prediction or guaranteed fairness.
GLI RNG testing	Gaming Laboratories International	July 10, 2026	Technical context for RNG non-predictability and no-bias testing.	That a specific baccarat game is certified without exact evidence.
GLI digital / iGaming testing overview	Gaming Laboratories International	July 10, 2026	Technical context for iGaming testing / certification and system evaluation.	Operator legality, table value or payout approval.
IRS Topic 419	Internal Revenue Service	July 10, 2026	General U.S. gambling-income reporting note.	Personal tax advice or final tax result.
NCPG 1-800-MY-RESET and chat	National Council on Problem Gambling	July 10, 2026	Current gambling support routing: call / text and chat.	Legal, payout, strategy, table or operator approval.

What baccarat rules do not prove

Baccarat rules knowledge and unsafe assumptions to avoid.
Rule knowledge	Do not assume	Safer interpretation
You know card values	You can predict outcomes.	Card values explain scoring only.
You understand final-digit scoring	Patterns are visible or exploitable.	Final digit is a scoring rule, not a prediction system.
You understand Banker / Player / Tie	Banker is guaranteed or Player is controlled by you.	These are bet labels.
You know third-card rules	You can choose the draw or forecast the hand.	Drawing is automatic and table-specific.
Banker has a common lower-edge reference	Banker guarantees profit.	It remains gambling with variance and negative expectation over time.
A Tie pays more	Tie is safer or better value.	High payout needs exact paytable context.
A table is no-commission	It is automatically better.	Check push or special-total tradeoffs.
A game is live dealer	It is safer, fairer or better odds.	Live is a format with its own evidence checks.
A game is available on mobile	It is legal or safe for the user.	State, account, KYC, payment and geolocation still matter.
Support links exist	Gambling becomes safe.	Use support when pressure, chasing or loss stress appears.

Stop signals while learning or using baccarat rules

Baccarat rules should reduce confusion. They should not create pressure to bet, repeat rounds, follow patterns or recover losses.

Baccarat learning patterns that should lead to stopping or support.
Stop signal	Why it matters	Safer action
You are looking for a baccarat rule that guarantees profit	No baccarat rule guarantees outcomes.	Stop and read boundaries.
Banker streaks make you want to raise stakes	Streak thinking can drive escalation.	Leave the table or stay in education mode.
Player or Banker history feels due	Due-result thinking is gambler's fallacy.	Stop before the next wager.
Tie payout makes you chase a big return	High payout can hide high-risk optional bets.	Avoid optional wagers and check paytable.
Squeeze or live reveal makes the game feel more controllable	Reveal presentation does not create control.	Pause or stop the session.
Speed or repeat-bet controls reduce reflection time	Fast pace can increase loss speed.	Use timeout / cool-off / stop.
No-commission wording feels like a shortcut	Tradeoffs can be hidden in push or special rules.	Read rules screen or do not play.
You are trying to recover losses	Recovery logic escalates harm.	Stop and use support.
Debt, secrecy, stress or urgency appears	Rules are no longer the issue.	Call / text 1-800-MY-RESET or use NCPG chat.

For gambling-related support, call or text 1-800-MY-RESET, or use NCPG chat.

Where to go next after baccarat rules

Use these routes after the rules are clear. They are educational routes, not casino recommendations, legal approval, payout guarantees or advice to play.

Contextual next routes for baccarat and other casino game questions.
Question	Route	Why	Boundary
I understand the rules and want strategy boundaries	Baccarat strategy	Explains what can and cannot help after rules.	No pattern system or win guarantee.
I want house-edge or bet-value context	Baccarat odds guide	Explains Banker, Player, Tie and side-bet assumptions.	Numbers do not predict a session.
I want live / RNG baccarat context	Live baccarat	Explains table ID, speed, squeeze, interface and provider evidence.	Format is not safety proof.
I want side-bet context	Baccarat side-bets guide	Side bets need exact paytables.	High payout is not value proof.
I want to compare baccarat with craps	Baccarat vs Craps	Compares rule complexity, pace and bet menus.	No game is universally safer.
I want to compare baccarat with blackjack	Blackjack vs Baccarat	Compares player decisions, strategy load and pace.	No game guarantees profit.
I need other casino games terms	Other casino games glossary	Clarifies terms before reading strategy pages.	Definitions are not strategy systems.
I need quick other-games answers	Other casino games FAQ	Short answers on rules and boundaries.	FAQ is not legal or payout proof.
I need state availability	State guides	Availability is state- and operator-specific.	This page is not legal advice.
Rules create pressure to play	Responsible gambling	Support and stop-signal route.	Use before pressure escalates.

Baccarat rules FAQ

What is baccarat?

Baccarat is a casino card game where two hands, called Banker and Player, are dealt and the hand closest to 9 wins under the table rules.

What are baccarat card values?

Aces count as 1, cards 2 through 9 count at face value, and 10s, jacks, queens and kings count as 0.

What does final digit mean in baccarat?

Only the final digit of the total counts. For example, a raw total of 17 is read as a baccarat total of 7.

Do Banker and Player mean the casino and the user?

No. Banker and Player are bet labels and hand labels. They do not mean the user controls the Player hand or that Banker is guaranteed.

Who decides whether a third card is drawn in baccarat?

The table rules decide automatically. The user does not choose whether the Player or Banker hand hits or stands.

What is a natural in baccarat?

A natural is usually a two-card total of 8 or 9. When a natural appears, third-card drawing normally stops.

What is commission in baccarat?

Commission is a fee commonly charged on standard Banker wins. The exact commission and settlement must be checked on the table rules screen.

Is no-commission baccarat better?

Not automatically. No-commission baccarat can add push, reduced-payout or special-total rules, so the exact table terms matter.

Is the Tie bet safer because it pays more?

No. A high payout does not prove safer play or better value. The Tie bet needs exact paytable and house-edge context.

Are live dealer baccarat rules different from RNG baccarat?

The core scoring can be similar, but live dealer, RNG, speed and squeeze tables can differ by rules panel, pace, table ID, paytable and interface controls.

Does baccarat require strategy after the cards are dealt?

Usually no. The user chooses the bet before the deal, and automatic rules control drawing after the cards are dealt.

Can baccarat patterns predict the next hand?

No. Past Banker, Player or Tie results do not force the next result and should not be used as a recovery or stake-escalation system.

Does knowing baccarat rules prove I can play legally?

No. Availability depends on state law, operator terms, age, geolocation, account status, device, KYC and market type. This page is not legal advice.

Can baccarat rules guarantee profit?

No. Baccarat rules can explain the game, but they cannot guarantee profit, payout approval, legal availability, control, safe play or a winning session.

Update notes

July 10, 2026: Rebuilt the page as a premium baccarat rules article with answer-first hero, direct answer panel, card-value tables, final-digit examples, round flow, Banker / Player / Tie labels, third-card references, commission / no-commission variants, source snapshot, FAQ, schema and responsible-gambling routing.
March 28, 2026: Published the baccarat rules guide.