a hand consisting of 2 and 3 is worth 5, but a hand consisting of 6 and 7 is worth 3 (i.e., the 3 being the units digit in the combined points total of 13). The highest possible hand value in baccarat is therefore nine. Versions Punto banco The overwhelming majority of casino baccarat games in the United States, United Kingdom, Canada, Australia, Sweden, Finland, and Macau are "punto banco" baccarat and they may be seen labelled simply as "Baccarat". In punto banco, the casino banks the game at all times, and commits to playing out both hands according to fixed drawing rules, known as the "tableau" (French: "board"), in contrast to more historic baccarat games where each hand is associated with an individual who makes drawing choices. The player (punto) and banker (banco) are simply designations for the two hands dealt out in each coup, two outcomes which the bettor can back; the player hand has no particular association with the gambler, nor the banker hand with the house. Punto banco is dealt from a shoe containing 6 or 8 decks of cards shuffled together; a cut-card is placed in front of the seventh from last card, and the drawing of the cut-card indicates the last coup of the shoe. The dealer burns the first card face up and then based on its respective numerical value, with aces worth 1 and face cards worth 10, the dealer burns that many cards face down. For each coup, two cards are dealt face up to each hand, starting from "player" and alternating between the hands. The croupier may call the total (e.g., "five player, three banker"). If either the player or banker or both achieve a total of 8 or 9 at this stage, the coup is finished and the result is announced: a player win, a banker win, or tie. If neither hand has eight or nine, the drawing rules are applied to determine whether the player should receive a third card. Then, based on the value of any card drawn to the player, the drawing rules are applied to determine whether the banker should receive a third card. The coup is then finished, the outcome is announced, and winning bets are paid out. Tableau of drawing rules If neither the player nor the banker is dealt a total of 8 or 9 in the first two cards (known as