Yes, Gene, I am talking about BJ. I know that there is a modest house advantage if you play following the house rules. By taking advantage of opportunities offered by the house (splitting, doubling down, 3:2 for BJ, etc.) and playing optimal strategy you CAN reduce the house odds to 0.5% or less. I am not a mathematician but I have seen numerous items published on the subject and they all agree on the house percentage. I know that the house makes a lot of money on BJ but it is because of players who don't know the game.