You’re welcome, thanks for the compliment. Without knowing anything about the probabilities, if those were the payoffs, then there would exist a player advantage on at least one bet. The way you can tell is to take the sum of 1/(1+x), where x is what the bet pays on a "to one" basis, over all the bets. If this sum is less than 1, then at least one bet has a player edge. In this case, according to your odds, this sum would be 1/2.5 + 1/3 + 1/4 = 0.9833. This trick may come in handy, for example, if you see an amateur putting up sports betting futures. What is probably the case here is that six cards pays 2 to 1. Based on that assumption, and six decks, the house edge is 5.27% on four cards, 8.94% on five cards, and 4.74% on six cards. For more information see my baccarat appendix 5.