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[alrelax]

Wow!  Okay....................................great research and experience!

"However, the banker hand wins more often than the player hand because the banker hand is completed last, and many of banker's drawing situations are dependent on what the player hand drew. In both blackjack and baccarat, the last shall be first in number of hands won."

This professional gambling author not only solves the mystery of baccarat, he also solved the mystery of blackjack as well.  The dealer wins more hands than losing because  the dealer completes his hand last!!  Cool!