All games are played using Friends Bingo's very own currency - FunBucks. Twice every week, at midnight EST on Sunday and midday on Thursday, all accounts are credited with 1000 FBs (or more depending on your status- see below).

As you play, your account balance will go up and down - exactly as if you were playing with cash. Win a game and your balance goes up - win a Jackpot and your balance will soar!

But - take care! Because at midnight on the last Sunday of the month it's WipeOut Time!

That means any FBs remaining in your account will be wiped out and your account will be topped up with your next 1000 FBs. So, if you have had a lucky month - make sure you spend your winnings before WipeOut Time!

As you play and win, you will also earn Pal Points....and these are very important because they determine your position on the Friends Bingo Hall of Fame.

You will earn Pal Points in two ways:

1. Every FunBuck you spend on Bingo or any of the side games will earn you one Pal Point.
2. Every time you win one of our many weekly and monthly tourneys, your prize will be paid in Pal Points. Check out our Contests page.

Your objective is to earn as many Pal Points as you can. However, if you find you are running short of FunBucks during the week, you have the option of cashing in some of your Pal Points at the rate of 10 Pal Points for every FunBuck.... but remember, this may affect your position on the Hall of Fame.

VIP Status
Your loyalty to Friends Bingo is important to us so the more you play and contribute to the game - for example by referring friends, the more your VIP level will increase. And, the higher your VIP level, the more free FunBucks you receive each week.

But, don't forget, your VIP level can go down as well as up - so stay active :)

The Software
Friends Bingo uses the most advanced bingo software on the internet. Designed by a team with ten years experience in the game, it is rich in features and will give you the best ever online bingo experience.

Take a few moments to review this page to ensure your enjoyment.

Hover your mouse cursor over this image to find out more about the game.

Buying Cards
There are two ways to BUY Cards.

• Manually - click on the BUY button before EVERY Game
• Auto Buy - you decide how many cards you want to buy each game, how many games you want to play and even when to stop if you win a prize or jackpot or your funds reach a certain level.

Buying Cards Manually
Click the BUY button to purchase cards for the next game. You can choose to buy up to 99 additional cards (the system will remember the last number of cards you selected).

Click on the Advisor button for a tip on how to
make the most of special card offers.

When you have made a purchase for the next game, the BUY button will change to BUY MORE to inform you that you already have some cards purchased for the next game and can purchase more if you wish.

Buying and Playing Automatically
Friends Bingo has lots of features to help you enjoy your bingo - even if you are busy and can't sit at your PC all the time.

• Auto Bingo
  If you enjoy calling "Bingo", then uncheck the box and a Bingo button will appear at the bottom of the screen. But, don't worry if you don't claim"Bingo" in time.... Friends Bingo will always award your prize or jackpot - even if you don't claim.
  
• Auto Daub
  You don 't have to daub your cards because Friends Bingo plays the game for you and always makes sure you get any prize money due to you. If you like to see your cards daubed for you, make sure you click the Auto Daub box.
  
• Auto Buy
  Check this box if you wish to keep buying cards automatically. When your Auto Buy is turned on, a green check will appear next to the Auto tab. When Auto is turned off, a red cross will replace the check.
  
• Stop after __ games
  If you only wish to play automatically for a set number of games, then check this box and click the arrows to set the number of games you wish to play.
  
• The Price - Cards window
  This window shows you the number of cards at various card prices that you want to purchase each game when in Auto Buy mode.
  
  Use the arrows to select the number of cards you wish to purchase or key in the number of cards you wish to play.
  
  The default setting is for five cards each at 5, 10 and 25 cent card prices. You can add more card prices by clicking on the "Add" button. All prices are in cents so 1 FunBuck would be entered as 100c in the first column. Card prices can be removed by clicking on the card price you wish to remove, then on the "Del" delete button.
  
  When you select Auto Buy, the system will purchase cards for you according to the settings in the Price - Cards window.
  
• Advanced Auto Buy Options
  Click the down arrows to reveal the Advanced Auto Buy Options.
  
• Stop if current schedule changes
  Check this box if you wish to stop playing if the current card price changes.
  
• Stop if I win a Jackpot
  If you want to quit playing when you win a Jackpot, check this box.
  
• Stop if I win a prize over ________
  Check this box and use the arrows to put in the amount you want or key in the number in the window.
  
• Stop if credits get over ________
  If you want to stop playing should your credits reach a certain amount, check this box and put the amount in the window by using the arrows or key in the amount.
  
• Stop if credits get under ________
  If you want to stop playing before all your credits are gone, check this box and put the amount in the window by using the arrows or key in the amount.
  
• Auto buy delay
  This enables you to delay the point at which the Auto Buy system purchases the cards. Once your cards are purchased, the transaction cannot be cancelled. When you check this box, the Delay Meter appears. Set this to "Shortest" if you want the system to purchase cards as soon as they are available and to "Longest" if you want the purchase made at the last possible moment. There are three intermediate settings.
  
  If you decide not to purchase, you must click the "Pass" button or uncheck the Auto Buy box before the transaction is made.
  
• Buy ________ more cards if prize goes over ________
  This option adds the specified number of cards to the normal you would usually buy. For example, if you have 5 cards to buy and set this option so that if the prize goes over 20 FunBucks you want to buy 3 more - then the option will trigger on prizes of 20 FunBucks or more and will actually buy 8 cards instead of 5. Adding more cards increases your chances of winning.
  
• APPLY/CANCEL
  It is important that you click APPLY to save any changes you make to the Auto Options. If you do not your previous settings will remain in place. When you click APPLY, the current Advanced Options will be set as your default for the next time you use Auto Buy. Click CANCEL if you change your mind and decide not to make any changes.

Bingo!
The Bingo button does not need many explanations; click it to claim your bingo. The button is available for clicking only when you are playing; if you are not taking part in the game, the button is disabled. If AUTO Bingo is set in OPTIONS the software will call BINGO for you.

Cashier
The Cashier pages are part of the Friends Bingo Member's site and will open in your browser when you click this button. This is where you can check your account, your Pal Points and VIP Level.

Bingo Patterns
The area in the top left corner of the playing window displays the pattern or patterns for the current game. The bingo pattern shows the winning combination of boxes that you need to mark on one or more of your cards in order to have a bingo and win the prize.

Patterns change from game to game - two successive games may or may not have the same pattern. The pattern shown during a game is valid only for that game. Friends Bingo also features multi-pattern games, where a single game will feature three patterns in sequence, giving players up to three chances to win a prize.

Friends Bingo uses two types of patterns: static and moving. In a Static pattern, the configuration of colored boxes does not change within a game. You must mark a winning card with exactly this pattern. There is only one combination that works.

In a moving pattern the configuration changes more than once within a single game. Marking any of the appearing configurations qualifies as a winning card. For example, if the moving pattern is a horizontal line, you can claim bingo when you have any of the rows, in any of the cards.

In multi-pattern games, each game consists of two or three patterns played in sequence. Each pattern has its own prize, so one game can, potentially, have three winning combinations.

The pattern displayed on the screen will have two or three smaller patterns adjacent to it. These are the patterns which will play in sequence from the top down. The small arrow indicates the pattern currently being played. You can click on any of the three small patterns to show the prize and jackpot for that pattern. If one or more of the patterns has completed, clicking on that pattern will reveal the winner's nickname in the black window at the bottom of the pattern area.

Current Ball and Last Balls Called
The game screen also displays the current ball that has been called. The ball shown here changes with every drawn number. The speed at which balls are called may vary among games but is always the same within a game. As the game progresses, the following ball sequence is shown.

The line of balls leading out to the large called ball, shows the color of the forthcoming balls. This is useful to consult if you are waiting for a particular number.

Every newly drawn ball takes the first position in the left of the Called Ball Display and displaces the other balls to the right. In the example here, four balls were drawn in the order: 73 - 48 - 9 - 31.

The Last Balls area is empty between games.

Called Balls Number Board
The screen also displays all balls called so far in the game on the number board. When a number is called, it will blink on the number board and continue to blink until the next number is called. Every ball, when called, appears first in the Current Ball area and in the list of the Last Balls called.

The number board area has five rows, and each row is preceded by a letter from the word BINGO. The numbers show up in the rows as follows: B - 1 to 15; I - 16 to 30; N - 31 to 45; G - 46 to 60; O - 61 to 75.Game Winners
The winners of each game are displayed in a panel that replaces the number board at the end of a game. This shows the name of the last game winner(s), the number of winning cards for each separate winner, and the amount of dollars that he or she has won.

Your Cards
If you log in when a game is in progress, the cards area will display the message "Game in Progress". Rather than waiting for the current game to end, you can enter the Auto Buy section and create your settings to automatically buy cards.

When you have purchased cards (see Buying Cards above) your cards for the game appear on the game screen. The cards are shown before the game begins so that you can change them if you like. All cards are generated randomly by the server the first time you buy them. You will then keep the same numbers until you decide to change your cards, when you new choice will become your regular cards.

Changing cards is simple. If you don't like the look of one or more of your cards, just click on them and, when they are highlighted, click on the Replace button.

If you want to change all your cards, click on Replace All.

The maximum number of cards for each game at Friends Bingo is normally 99. Minimum purchase will vary depending on the session.

As the time counts down to the next game, a timer will appear in the center of the screen and the seconds to the next game will be counted down.

The settings for each game can be viewed by hovering your mouse cursor over the Session Name at top of the screen. A description of the current session will display in a window.

When playing with more than three cards, navigation arrows appear in the right end of the card area. Use these arrows to scroll up and down to see all your cards.

Alternatively, use the Zoom feature to view 12 cards at a time.

The bingo cards have three distinctive features: card number, numbered cells, and border. The card number identifies the bingo card uniquely. The card numbers help you distinguish among the cards in play and track the progress of every individual card.

Card numbers are especially useful when you play multiple cards in which the cards constantly change their positions. Each card has five columns of five numbers each. The columns are headed by the letters from the word BINGO. Every column may contain only numbers from a limited set. The "B" column, from 1 to 15; the "I" column, from 16 to 30; the "N" column, from 31 to 45; the "G" column, from 46 to 60; and the "O" column, from 61 to 75. The center cell of the card is given as a "free" number - you can always use this cell when claiming bingo.

As game progresses, your cards will automatically sort themselves so that the card nearest to bingo is at the top left of your card area.

The border of the card is an indicator of how close you are to claiming bingo for that card. The color of the border displays the number of balls remaining to bingo. The possible colors are four:

BLUE: you can win bingo in three balls.
GREEN: you can win bingo in two balls.
RED: you are very close, just one more ball.
GOLD: You have bingo!

If you have the “Auto Bingo” box checked in the Auto section, bingo will be called for you. If not, when your card turns gold, a message will appear that says: “Congratulations you have bingo!!" If this message appears, hit the BINGO Button -but don't worry if you can't, Friends Bingo ensures all players get their winnings, even if they don't call Bingo!

Zoom

If you are playing more than 3 cards, click on the magnifying glass Zoom icon on the right side of your cards and the card area will expand to include six cards.

Click on the Zoom icon again to show a zoomed out view of 12 cards.

Zoom is only available during game play. You may use the up and down arrows to see the rest of your cards.The small cards have the same numbers as the big cards. Like the big cards, the card that is closest to winning bingo takes the first position on the first row; the other cards follow.

The small cards change colors in the same manner as the borders of the big cards do. Press 'Zoom' again to display the big cards.

News
Click on this icon at the bottom of your screen to see if there is any last-minute news. The icon will glow when there is unread news.

Notes
This icon at the bottom of your screen is used to shows your Account Info, your Game Info (games you have played) and Miscellaneous Info. The icon will glow if you have unread notes.

Winners
Click on this icon to see ALL the winners in Bingo, Slots, Keno, BlackJack, Pull Tabs, Scratch Cards and Video Poker. The icon will glow when there are new winners.

Options
Click on the Options button at the bottom of the Friends Bingo game screen to open this window where you can personalize your game.

You can edit your dauber color and shape and change the sound settings.

Music
This check box turns on and off the background music. The music plays at the same time as bingo, video poker, slots, pull tabs, scratch cards and Keno sounds.

Bingo Caller
This check box turns the caller on and off. To hear the numbers being called, check this box.

Caller Voice
This option allows you to choose between male or female callers.

Side Games
Select the Sounds check box and you will hear the sounds made by the side games, such as the Slots spinning.

Ask for Max Bet
Checking this option will ensure that, if you click on Max Bet, the software will ask you if you are sure you want to bet the maximum amount. This will give you a chance to cancel the action if you have changed your mind and decided not to bet the maximum amount of coins, or if you have accidentally hit the button.

Game Information
You can finds information about the bingo games in a number of places on the game screen.

Session Name
The name of the current session in the Friends Bingo schedule is shown in the center of the screen in pink (Dimes in this example). Hovering your cursor over the name will bring up a window with details of the session - card price; minimum and maximum card limits and jackpot minimum.

Current Game Information
The area immediately below the pattern in the top left of the screen gives you important information about the current game. It shows the prize, jackpot and the balls to jackpot. In this example of game which has not yet started, there are 24 balls remaining of 24 balls to jackpot. As Balls are called the first figure will reduce and if bingo is not called before the the 24th ball, the jackpot will remain intact and players will play for the prize.

The Cards tab shows:

Total Cards: this is the total number of cards you are playing with and is the total of all items below:

Purchased: the number of cards you have purchased using the manual or Auto Buy features for the current game. This does not include any cards pre-booked or part of a pre-paid package.

Bonus: Displays any bonus cards you have received. Only applies to games where there are special promotions such as "Buy 3 Get one Free".

Total Cost: This is the total cost of all the above cards.

Buy/Buy More: Click on this button to buy more cards.

Pass: Click on pass between games to pass and not buy cards for the next game.

Card Price: this is the price of each individual card for this game.

Balls Called: displays the number of balls that have been called. This number gets larger with every ball called. It also shows the last four numbers called - the
most recent on the left.

Players: Displays how many players are playing in this game. The colored area shows how many players are 3 away from bingo - BLUE, 2 away from bingo - GREEN, and 1 away from bingo - RED.

In the example above we can see that 23 players are 3tg, 12 players are 2tg and two players are just one ball away from a jackpot or prize.

Schedule
Clicking this button will open a page in your browser where you can see the current schedule and also click on links to find out more about our Chat Games, Specials and other hot promotional news.

Credits
The game screen displays your credits in FunBucks. These will reduce as you purchase cards.

When you win a bingo, your credits are increased by the amount you have won. If the number of your credits is smaller than the price of an upcoming game, for instance, you have 2.50FBs, and the game price is 3.00FBs, you will not be allowed to play.

Chat
Friends Bingo has provided various functions to make your chat experience enjoyable. You may speak with other players in general chat or in private chat, get answers to your questions from the Chat Master on duty, play actions or spice up your chat with emoticons.

You can also add a Profile to your account and read the profiles of your fellow chatters. Should you find someone offensive, you can ignore all of what is said, easily and privately.

To enter the Chat Room, click on the button marked Chat at the bottom of your screen. At the top of your chat screen you will see the name of the Room and the number of players in chat at this time. If a Chat game is being played, you will also see the name of the game.

By default, the chat window opens in the central area of the playing window. The program allows you to resize and change the position of the chat window.

To resize the Chat window, move the pointer over any edge of the window until it changes to a double-headed arrow, and then drag the edge of the window in or out. Drag diagonally from any corner to resize the width and height proportionally.

To set the Chat window location, place the pointer in the title bar of the window, and then drag and drop the window to the desired place.

If you would like the chat window to remain on top of your screen at all times, click the Push Pin on the top right side on the window.

The Rooms button is the second button from the right. Click this button and you will see displayed, a list of the available chat rooms. Click the room that you want to enter. The name of the selected room is shown in the upper left part of the window.

The Chat Line is located immediately below the chat area. Type your message, and then press Enter on your keyboard to send it to the screen or click on Send. This sends whatever you have typed to the chat screen.

The First button on the left is the Talk To button which displays a list of all the players in the currently selected room.

Private Chat
If you wish to speak to another player in Private, while viewing the Player List, use the arrow buttons to locate the person with whom you wish to chat. Then click on his or her name. The name of the selected chatter is displayed in the upper right corner of the Chat screen border. A drop down menu appears when you click on a player's name. Click on to speak with the player in Private. When your chat turns red, you are in private with that player. You may speak to up to 2 players in private mode at one time. To end a private chat, click on the players name and private again or just click on To All at the top of the screen. To close the Chat List, click on the Talk To button a second time.

Ignore and Un-ignore
If you encounter an offensive chatter, you have the option of ignoring him or her by using the button. To block the chat messages coming from a particular chatter, click his or her name on the list, and then click the Ignore button on the drop down list. When the button has a red line through it, that player is on ignore and you will see nothing that they may type to chat. To take a player off Ignore, click on the button again.

Emoticons
The Emoticon button is second from the left. Click on this button to see a display of all the emoticons that are available. If you hold your cursor over each Emoticon you will see what emotion it expresses. To close the Emoticon box, click on the Emoticon button a second time.

To use an emoticon, click on it and then hit Enter. The Emoticon will then be sent to the chat screen. Some emoticons are letters. Here are some common chat abbreviations.

Actions
The Action button is 3rd from the left and displays a list of standard messages through which you can express a certain emotion (laughter, approval, etc.), ask for help, or just say 'hi' to the other chatters in the room. Use the arrow buttons to select the desired action from the list of the available actions, and then click it. The Actions's name will be sent to chat and it will be heard by all who have their sound on. To close the Action list, click on the Action button a second time.

Font Size
The Font button, fourth from the left, has the letter A on it. This button allows you to choose the desired font size for the messages contained in the chat area. Each click of the button changes the font size. Continue to click until the chat Font is the size you desire.

Un-scroll
The Un-scroll button is the fifth from the left. Use the un-scroll button to stop the chat from moving. When you see the red X thru this button, chat scrolling is stopped. To allow chat to move again, click on the un-scroll button again.

Sound
The sixth button is the Sound button . To Mute the Action sounds, click on this button, you will see a red X thru this button when your action sounds are turned off. To Un mute the Action sounds, click on this button again.

Profiles
Every player may make a personal Profile which is accessible by all other players. To read a player's profile, click on the player's name and then choose profile from the drop down menu. If it does not appear on the menu, the player has not created a profile.

To create a profile of your own, click on the Cashier button to take you to the Members' Area. This will open a page in your computer's browser. At the top of the page click on the button labeled, PROFILE. Enter the text you wish to have in your profile in the window provided. You may also upload a picture you have stored on your computer's hard drive. To upload a picture click BROWSE and find the picture on your hard drive. Double click on the picture and then click on UPDATE PROFILE. Your picture must be less than 300kb or it will not show up. If this happens, reduce the size of your picture or choose another smaller in size and repeat the process of uploading a picture.

Side Games

Slots
Friends Bingo has a great choice of 3, 4 and 5-reel, multi-line slots - all with great features.

How to Play Slots:
Choose Slots from the drop-down menu that opens when you click on the Change Game button at the top of the Side Games window.

1. Choose how much you wish to bet per line by clicking on the plus or minus on either side of the window above the “Spin” button.
2. Choose how many lines you wish to play by clicking on the “select line” button. If you choose “max bet” you will play all lines for the price you have indicated. The “Bet” window shows you how much EACH spin will cost.
3. The Auto Play feature allows you to set the slots to spin up to 99 times.You may also set a delay of up to 10 seconds between spins.
4. Set Auto Play for the Bonus Game or set your spins to stop after you win a Jackpot, if you win a certain amount*, if your credits go over a certain amount* or if your credits get under a certain amount*.
   (*You specify the amounts).
5. The Pay Table button for each slots game is located on the right hand side of the slots window.

There are three slot games:

Seven Heaven
(3 Reel Slots )
All lines pay on two or more consecutive symbols and must include the left or right hand reels.

To win the Progressive JP get 3 crowns on Max Bet.

Line wins are multiplied by coins per line bet. You can win up to 9,000 coins on a single line.

Super Ks
(4 Reel Slots)
All lines pay on two or more consecutive symbols and must include the left hand reel.

To win the Progressive Jackpot get four Lucky 7s on Max Bet.

Line wins are multiplied by bet per line.

Super Ks Bonus Game:
Get three of the Super K symbols anywhere and you can play the Bonus Game. The Super K keno drawing will take place before your eyes. You win your bet times the number of the ball drawn!

Five Alive
(5 Reel Slots)
All lines pay on two or more consecutive symbols and must include the left hand reel.

To win the Progressive Jackpot, get five Heart symbols on Max Bet.

Line bets are multiplied by bet per line. Win up to 9,000 coins on a single line!

Lucky Wheel Bonus Game:
When you get 3 Lucky Wheels you will see the Lucky Wheel Bonus Game screen.

Click “SPIN” and the wheel will spin.You win the bonus where the wheel stops.

You may take the bonus or DOUBLE your bet on either BLACK or RED.

Choose the Black or Red button to bet either Black or Red.  Around the outside of the wheel you will see red or black sections.  If the wheel stops on a Red section and you have bet Red, your bet will be doubled.  If you lose, click “continue” and return to the Slot screen.  If you win, you may choose to double again. The number of times you may double your bet is in the “double bets” window.  If you do not want to double and keep your bonus, click “continue” to return to the slots screen.

Video Poker
Choose one of the four Video Poker games from the drop-down menu that opens when you click on the Change Game button at the top of the Side Games window.

• Jacks or Better
• Deuces Wild
• Bonus Poker
• Joker Poker

1. Choose how much you wish to bet for each hand by clicking on the "Bet One" button.
2. Choose how many hands you want to play by clicking on the “Hands Count” button.  You may play from 1 to 10 hands.
3. The “Bet” window shows you the total cost per deal.
4. “Max Bet” will allow you to play the maximum amount for your chosen hand. (The amount you will spend is displayed in the “bet window”)
5. Auto Play allows you to set video poker to play for up to 99 deals.  You may set a delay of up to 10 seconds between deals. You may set the deals to stop if you win over a certain amount*, if your credits get over a certain amount* or if your credits get under a certain amount*. (*You specify the amount.)
6. Win the Progressive Jackpot by getting a Royal Flush on Max Bet while playing 25 cent coins.
7. To access the pay tables click the “Pay Table” button located at the right side of the video poker screen.
8. All wins are multiplied by Coins per Hand.

Pull Tabs
Five Pull Tabs games are accessible from the drop-down menu that opens when you click on the Change Game button at the top of the Side Games window. The cost of the Pull Tabs ranges from 25 cents to 5 FunBucks. The pay tables are located on the pull tabs.

How to play Pull Tabs:

1. Click the arrow next to the pull tab amount to choose how many pull tabs you wish to play. You can choose up to 99
2. Click the “Buy” button to play.  Your tabs are automatically revealed for you.
3. To play again, click CLOSE and then click the “Buy” button again.

Keno
Keno is accessible from the drop-down menu that opens when you click on the Change Game button at the top of the Side Games window.

How to Play Keno:

1. Pick from 2 to 10 numbers by clicking on the numbers or click on the arrow next to “Quick Pick” to choose 2 to 10 numbers automatically.  To unselect a number, click on it again. Your chosen numbers will be green.
   
2. Click on the arrows above and below the card price to choose how much you wish to bet per keno hand.  You may choose to bet from 25 cents to 1 FunBuck.
   
3. The pay outs are revealed after you choose how many numbers you will play.
   
4. You may play up to 99 Keno games in a row.  Just set the “PLAY” button for how many games you wish to play.
   
5. Click “Auto Play” to set the number of games to play or set a delay between games up to 10 seconds.  Also in “Auto Play” you can set your Keno games to stop if you win over a certain amount*, if your credits get over a certain amount* or if your credits get under a certain amount*.  (*You specify the amount.)
   
   In the Auto Play window, click “Start” to start your game or cancel to return to the main Keno Screen.
   
6. When you click “Play” or “Start” your Keno game(s) will start.  The Keno numbers called will appear in Blue, your numbers that hit will appear in Red.  You will hear music when your numbers have “hit”.  To stop a progression of Keno games at any time, simply click the “Stop” button.

Blackjack
One of the most popular card games in the world is now available at Friends Bingo. Blackjack can be accessed by clicking on the Change Game button at the top of the Side Games window.

How to Play Blackjack
The main objective in BlackJack is to get a hand higher than the dealer's without going over 21.

1. Start the game by making your opening bet. Either drag the chip onto the center of the table or double click on the chip.
   
2. The dealer will then deal two cards to you and two for himself, one of which will remain face down.
   
3. The values of the cards in Blackjack from two to ten are at face value. Jacks, Queens and Kings count ten and the Ace counts eleven or one. The Ace always counts eleven except if your total exceeds 21 - then the value of the Ace is reduced to one.
   
4. If you have Blackjack (Ace + face card) you win unless the dealer also has Blackjack.
   
5. If you don't have Blackjack, you can Stand (not take another card) or Hit (take another card). You may also Double your bet if you think you have a strong hand or Surrender if you don't think you have a chance of winning. When you Surrender, half your bet is returned.
   
6. The Dealer must Draw to 16 and stand on 17 or more.
   
7. Blackjack pays 3 to 2 and Insurance pays 2 to 1.