Up until 15, its almost always advisable to hit, as there are only four point values high enough for you to bust at 14 (8, 9, 10 and face cards).
This will tell you what move will be most statistically likely to win the hand you are holding in blackjack.
Just like in the casinos, the cards will automatically shuffle when you get down to half left, so it'll be a bit harder to read what will be coming out next.
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Insurance pays 2-1 if the dealer has a blackjack.