4 Deck KO Insurance

KO insurance data for 4 decks

KO is a counting system that has 3 groups of cards

2, 3, 4, 5, 6, 7 --- L --- (low cards) --- tag = -1
8, 9 --- M --- (medium cards) --- tag = 0
T, A --- H --- (high cards) --- tag = +1

When there are more low cards than high remaining to be dealt, running count is negative.
When there are more high cards than low remaining to be dealt, running count is positive.
When there are an equal number of low cards and high cards remaining to be dealt, running count is 0.

The above applies if KO is used as a balanced count. Often KO is used as an unbalanced count by altering the running count by a constant number. Since only running count is used in the data, the data will apply to unbalanced KO by altering the running count in the data by the same constant number used in the unbalanced KO system. The only thing that won't apply to the unbalanced system will be the true count ref figures and the true count summary estimations at the end.

There are 10 possible 2 card hands relative to KO and insurance: LL, LM, LT, LA, MM, MT, MA, TT, TA, AA
The points at which to insure each of these hands when number of decks is 4 are below:

Running count <= -4 --- Never insure
Running count = -3 --- Insure when 150-190 cards remain --- TC ref = -1,04 to -0.82
Running count = -2 --- Insure when >= 99 cards remain --- TC ref = -1.05
Running count = -1 --- Insure when >= 51 cards remain --- TC ref = -1.02
Running count = 0 --- Insure when exactly 2, 4, or 6 cards remain --- TC ref = 0
Running count = 0 --- Insure when >= 8 cards remain --- TC ref = 0
Running count >= +1 --- Always insure

Running count <= -5 --- Never insure
Running count = -4 --- Insure when 163-190 cards remain --- TC ref = -1.28 to -1.09
Running count = -3 --- Insure when >= 120 cards remain --- TC ref = -1.30
Running count = -2 --- Insure when >= 80 cards remain --- TC ref = -1.30
Running count = -1 --- Insure when >= 42 cards remain --- TC ref = -1.24
Running count = 0 --- Insure when exactly 2, 4, or 6 cards remain --- TC ref = 0
Running count = 0 --- Insure when >= 8 cards remain --- TC ref = 0
Running count >= +1 --- Always insure

Running count <= -3 --- Never insure
Running count = -2 --- Insure when 115-189 cards remain --- TC ref = -0.90 to -0.55
Running count = -1 --- Insure when >= 59 cards remain --- TC ref = -0.88
Running count = 0 --- Insure when exactly 2, 4, 6, or 8 cards remain --- TC ref = 0
Running count = 0 --- Insure when >= 10 cards remain --- TC ref = 0
Running count >= +1 --- Always insure

Running count <= -6 --- Never insure
Running count = -5 --- Insure when 167-190 cards remain --- TC ref = -1.56 to - 1.37
Running count = -4 --- Insure when >= 131 cards remain --- TC ref = -1.59
Running count = -3 --- Insure when >= 99 cards remain --- TC ref = -1.58
Running count = -2 --- Insure when >= 66 cards remain --- TC ref = -1.58
Running count = -1 --- Insure when >= 35 cards remain --- TC ref = -1.49
Running count = 0 --- Insure when exactly 2, 4, or 6 cards remain --- TC ref = 0
Running count = 0 --- Insure when >= 8 cards remain --- TC ref = 0
Running count >= +1 --- Always insure

Running count <= -6 --- Never insure
Running count = -5 --- Insure when 172-188 or 190 cards remain --- TC ref = -1.51 to -1.38
Running count = -4 --- Insure when >= 134 cards remain --- TC ref = -1.55
Running count = -3 --- Insure when >= 101 cards remain --- TC ref = -1.54
Running count = -2 --- Insure when >= 68 cards remain --- TC ref = -1.53
Running count = -1 --- Insure when >= 35 cards remain --- TC ref = -1.49
Running count = 0 --- Insure when exactly 2, 4, or 6 cards remain --- TC ref = 0
Running count = 0 --- Insure when >= 8 cards remain --- TC ref = 0
Running count >= +1 --- Always insure

Running count <= -4 --- Never insure
Running count = -3 --- Insure when 136-187 cards remain --- TC ref = -1.15 to -0.83
Running count = -2 --- Insure when >= 90 cards remain --- TC ref = -1.16
Running count = -1 --- Insure when >= 47 cards remain --- TC ref = -1.11
Running count = 0 --- Insure when exactly 2, 4, or 6 cards remain --- TC ref = 0
Running count = 0 --- Insure when >= 8 cards remain --- TC ref = 0
Running count >= +1 --- Always insure

Running count <= -7 --- Never insure
Running count = -6 --- Insure when 174-190 cards remain --- TC ref = -1.79 to -1.64
Running count = -5 --- Insure when >= 142 cards remain --- TC ref = -1.83
Running count = -4 --- Insure when >= 113 cards remain --- TC ref = -1.84
Running count = -3 --- Insure when >= 85 cards remain --- TC ref = -1.84
Running count = -2 --- Insure when >= 58 cards remain --- TC ref = -1.79
Running count = -1 --- Insure when >= 30 cards remain --- TC ref = -1.73
Running count = 0 --- Insure when exactly 2, 4, or 6 cards remain --- TC ref = 0
Running count = 0 --- Insure when >= 8 cards remain --- TC ref = 0
Running count >= +1 --- Always insure

Running count <= -2 --- Never insure
Running count = -1 --- Insure when >= 69 cards remain --- TC ref = -0.75
Running count = 0 --- Insure when exactly 2, 4, 6, or 9 cards remain --- TC ref = 0
Running count = 0 --- Insure when >= 10 cards remain --- TC ref = 0
Running count >= +1 --- Always insure

Running count <= -5 --- Never insure
Running count = -4 --- Insure when 145-187 cards remain --- TC ref = -1.43 to -1.11
Running count = -3 --- Insure when >= 108 cards remain --- TC ref = -1.44
Running count = -2 --- Insure when >= 72 cards remain --- TC ref = -1.44
Running count = -1 --- Insure when >= 38 cards remain --- TC ref = -1.37
Running count = 0 --- Insure when exactly 2, 4, or 6 cards remain --- TC ref = 0
Running count = 0 --- Insure when >= 8 cards remain --- TC ref = 0
Running count >= +1 --- Always insure

Running count <= -8 --- Never insure
Running count = -7 --- Insure when 176-190 cards remain --- TC ref = -2.07 to -1.92
Running count = -6 --- Insure when >= 148 cards remain --- TC ref = -2.11
Running count = -5 --- Insure when >= 123 cards remain --- TC ref = -2.11
Running count = -4 --- Insure when >= 98 cards remain --- TC ref = -2.12
Running count = -3 --- Insure when >= 74 cards remain --- TC ref = -2.11
Running count = -2 --- Insure when >= 50 cards remain --- TC ref = -2.08
Running count = -1 --- Insure when >= 26 cards remain --- TC ref = -2.00
Running count = 0 --- Insure when exactly 2 or 4 cards remain --- TC ref = 0
Running count = 0 --- Insure when >= 6 cards remain --- TC ref = 0
Running count >= +1 --- Always insure

Summary (True count approximation for 2 card hands)

L-L --- Insure if TC >= -1
L-M --- Insure if TC >= -1.2
L-T --- Insure if TC >= -0.9
L-A --- Insure if TC >= -1.5
M-M --- Insure if TC >= -1.5
M-T --- Insure if TC >= -1.1
M-A --- Insure if TC >= -1.7
T-T --- Insure if TC >= -0.7
T-A --- Insure if TC >= -1.4
A-A --- Insure if TC >= -2.1