Don/other experts, How to find covariance of a game ?

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Then you don't know what covariance is. Covariance by definition requires at least two simultaneous hands.

I guess you often do not need two specific hands to find the covariance. Consider a six-deck shoe with the strip rules, and you just sit at the table to play two hand simultaneously. Your girlfriend asks you, what is the covariance of the two hand? Wong says 0.482456.