Since we are getting picky, I realized after I posted this that there may be some math errors. However there is another consideration. the true odds are not 3/51 but 3/52 since the joker counts as an ace. If you have an ace the the odds are 4/52 or back to 7.7%. This is too much math for me. In order to figure this correctly I think you need to consider the percentage of winning hands that would be charged the current 5% and calculate the cost for a large number of hands. Then compare it to the cost of losng the pushes for the same number of hands. Or just go to the gaming show in October and they will tell you what the house take is on the game.