> Early Surrender - Yes. If the dealer is showing a 10,
> I can surrender before the dealer determines if she
> has blackjack.

Okay, that would be ES10. What if the dealer is showing an ace? ES10 is better than late surrender, but Early Surrender (you can surrender against ace upcard before the dealer determines if she has blackjack) is extremely valuable.

> Also... dealer hits on soft 17.

That's what I figured.