Hello all
I suspect Don has the answer to these two questions.
I realized recently that perfect insurance (when tens are 33,3% of the deck composition) means that we should take insurance much more often than the estimated 25% for each dealer ace upcard seen, since TC3 or higher with HILO happens about 25% of the time when playing 2D at 75% pen.
Question 1 : How often does a 2-deck shoe is composed of tens in a ratio of 33,3% or higher?
Perfect insurance means that we should take insurance even in some negative counts when the deck is short of 789s (uncounted cards in HiLo). A shortage of aces may also trigger insurance below TC3.
My estimation from a 10 000 hands sample is that Perfect insurance means that we should take insurance in a ratio of about 1.5/1 compared to TC3 triggered insurance with HiLo but that may be inaccurate.
I am sure Don has a more precise answer.
On the other side there are times when we should not take insurance at TC3 or even higher when there are extra 789s and extra aces.
Question 2 : How often should we skip insurance at TC3 (HiLo) or higher at 2D with 75% pen?
Of course, those two questions presume that we can count the Ten Ratio, no matter how we do it.
Thanks
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