Object of the Game
The object of the game is to form a hand that totals as close to a "Natural" as
possible, without exceeding it. A "Natural" hand beats all other hands. A "Natural"
is a hand consisting of two Jokers.
 
How to Play 
 
 1. The value of the hand is determined by the sum of the cards: All cards have a face value; Aces are 1 or 11; Picture cards are counted as 10; Jokers are wild; any card(s) with the Joker will forms a 21.
 
 2. A single or multiple deck of standard cards is used. If multiple decks are used, one Joker is added to each deck.
 
 3. When play begins, all players receive two cards face up; the player dealer's hand will receive one card face up. After the completion of the draw the player dealer will receive a second card.
 
 4. Players have the option to draw additional cards after the completion of the initial deal. Players may receive additional (hit) cards, starting from the next clockwise position from the player dealer. Players may draw as many cards as permitted. See chart "Hit/Stand Rules for Players".

 5. After all players have exercised their right to draw additional cards, the player dealer may receive his/her draw cards. The player dealer may draw as many cards as permitted. See chart "Hit/Stand Rules for Players".
 
 6. If the player dealer's up card is a Joker, there is no draw.
 
Game Rules
 
1. If a player's total is more than a "Natural", and the player dealer's total is a "Natural" or less, player dealer wins. 
 
2. If a player's total is a "Natural" or less, and the player dealer's total is more than a "Natural", player wins. 
 
3. If a player's total is more than a "Natural" and the player dealer's total is more than a "Natural", and: a. player dealer is closer to a "Natural", then player dealer wins. b. player is closer to a "Natural", it results in a push. 
 
4. Player dealer wins all ties over a "Natural." 
 
5. If the player's total and the player dealer's total are both below a "Natural", the hand closest to a "Natural" wins.
 
6. If the player and the player dealer have the same total equaling a "Natural" or less, it is a push. 
 
Double-Down, Split and Surrender
 
1. Players may double-down on any two cards and receive one draw card.
 
2. Players cannot split, double-down or surrender any hand with a Joker. 
 
3. Players splitting:
    a. Aces will receive one draw card for each Ace only.
    b. any other pair or any two cards of 10-point value will receive multiple draw cards. 
 
4. Players may double-down after each split.
 
5. Multiple splitting is permitted (up to two times). 
 
6. Players can surrender on their first two cards, and forfeit half of their wager. 
 
7. If the player dealer's second card is a Joker, double-down and split wager receives no action.
 
8. All payoffs are to the extent that the player dealer money covers. 
 
9. Additional rules may apply.