surrender observation
It feels like surrender is worth 20% because its real value is in max bets when u have that 14, 15, or 16 and the dealer has the 20 and your hit would have been another 10. Upon reviewing this years game notes, one trip notes the loss based on an excess of 16 v 10 in high counts with no surrender. Just my observation that it may be the sweetest rule of all!
