In this case this your strategy -
"Two hands of twenty will more likely stop my taking insurance because 4 tens are now not available for dealer hole card, and may push my insurance index below threshold. Low or neutral cards or aces in my hand increase the probability of a dealer hole card ten value."
"Don't Cast Your Pearls Before Swine" (Jesus)
Not so. Example, before the deal, hi-lo RC=+6, 1.5 decks remain so TC=+4, dealer shows ace up, index says insure. Just me and the dealer, I have two hands of 20 (KK,QQ), I adjust RC to +2 based on my hands, RC is now +2, TC <+2 so I do not insure. I do not adjust for the dealer's ace however.
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