Let?s consider this artificial subset of 104 cards already dealt out (4 dks remaining): 

 

Rank	     Quantity 

 

A		6 

2		9 

3		9 

4		9 

5		9 

6		9 

7		9 

8		9 

9		8 

T		27


Hilo RC? RC = 45 ? 33 = 12

Hilo TC? 12/4 = 3

Traditional insurance? Yes

Remaining cards: 69 tens and 135 others.

Density of remaining tens? 69/204 = .3382

Perfect insurance? Yes because .3382 =>.3333

Adjusting here for an excess of 2 aces remaining:

12 ? (2*2) = 8 and

8/4 = 2, thus

Do not take insurance.

At least here it doesn?t seems to work, properly.

An example only, I know.

What do you get here with a starting IRC = -24?

Sincerely

Zenfighter