So I just got back from a cruise where I played a variation of blackjack: 8 decks, no queens blackjack, 6-7-8,7-7-7, 5+ card 21 all pay 3:2 all 21 pay instantly (no pushes with dealer 21) you can double down any time (after splits, after taking a hit) late surrender, also surrender after double down So my question is this... if you have 12 and want to play "by the book", do you hit when the dealer is showing 2? 3? 4? what about if you have 13 or 14? Some people started bitching when I hit 12's with the dealer showing a "bust card", but it seems to me that the lack of queens in the cards swings the odds in favor of hitting. I'm less likely to bust with fewer 10's, and so is the dealer (i.e. I didn't consider the 2 a "bust card").