public int getBlackjackValue() {
      
      int val;      // The value computed for the hand.
      boolean ace;  // This will be set to true if the
                    //   hand contains an ace.
      int cards;    // Number of cards in the hand.
      
      val = 0;
      ace = false;
      cards = getCardCount();
      
      for ( int i = 0;  i < cards;  i++ ) {
         // Add the value of the i-th card in the hand.
         Card card;    // The i-th card; 
         int cardVal;  // The blackjack value of the i-th card.
         card = getCard(i);
         cardVal = card.getValue();  // The normal value, 1 to 13.
         if (cardVal > 10) {
            cardVal = 10;   // For a Jack, Queen, or King.
         }
         if (cardVal == 1) {
            ace = true;     // There is at least one ace.
         }
         val = val + cardVal;
      }
      
      // Now, val is the value of the hand, counting any ace as 1.
      // If there is an ace, and if changing its value from 1 to 
      // 11 would leave the score less than or equal to 21,
      // then do so by adding the extra 10 points to val. 
      
      if ( ace == true  &&  val + 10 <= 21 )
         val = val + 10;
      
      return val;
      
   }  // end getBlackjackValue()