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Just under three-quarters of survey respondents (74%) identified as female, suggesting the survey topic was slightly less appealing to women (or more appealing to men) than the previous survey about community participation. As was the case for last month’s survey, more females than males responded in every age group (see figure below). Eighty-nine per cent of survey respondents were aged between 20-59 years, with the highest number of responses collected for women aged between 30-39 years (inclusive). The demographic profile of survey respondents remains consistent with our experience of the groups of people that would be accessing the Relationships Australia website. Men were less likely than women to report that they had never experienced any of the six gambling problems in the 12 month period preceding the survey, and correspondingly were more likely to report they almost always experienced gambling problems. Overall, between 74 and 97 per cent of survey respondents reported that they had never experienced any of the six gambling problems identified by the survey questions (see figure below). Six per cent of women and twenty-one per cent of men reported that they sometimes to almost always had gone back another day to try to win back the money they lost. Twelve per cent of women and twenty-one per cent of men reported that they sometimes to almost always bet more than they could afford to lose. Few women and men reported that they had borrowed money, sold anything or had stolen to get money to gamble (3% and 10% respectively), while just over five per cent (7%) of women and almost twenty per cent (19%) of men felt that gambling had caused health problems, including stress and anxiety. When asked about the effects of gambling on finances, six per cent of women and eighteen per cent of men reported that their gambling had caused financial problems for them or their household. Ten per cent of women and one-quarter of men sometimes to always feel guilty about their gambling or what happens when they gamble. As noted above, the April survey included six of the nine questions that form the Problem Gambling Index and therefore respondents had less opportunity to reach a total score of 3 to 7 (moderate level of problems leading to some negative consequences) or 8 or more (problem gambling with negative consequences and a possible loss of control) than if they had been asked to complete the full nine questions. Despite this, in totalling the answers to the fewer number of questions included in the survey, around four per cent of women reported a moderate level of problems and three per cent a high level of problems, and eleven per cent of men reported a moderate level of problems and ten per cent a high level of problems. These results indicate problem gambling rates for males responding to the monthly online survey in excess of five to ten times the rates estimated for adults who are considered to have moderate to serious gambling problems in the Australian population. Ottawa: Canadian Centre on Substance Abuse. Ferris, J. & Wynne, H. (2001). The Canadian Problem Gambling Index. The Problem Gambling Treatment and Research Centre. Thomas, S, and Jackson, A. (2008). Report to Beyondblue, Risk and Protective Factors: Depression and comorbidities in problem gambling. 2010). Children at risk of developing problem gambling.

Surrender, for those games that allow it, is usually not permitted against a dealer blackjack; if the dealer’s first card is an ace or ten, the hole card is checked to make sure there is no blackjack before surrender is offered. This rule protocol is consequently known as “late” surrender. The alternative, “early” surrender, gives the player the option to surrender before the dealer checks for blackjack, or in a no hole card game. Early surrender is much more favorable to the player than late surrender. If the cards of a post-split hand have the same value, most games allow the player to split again, or “resplit”. For late surrender, however, while it is tempting to opt for surrender on any hand which will probably lose, the correct strategy is to only surrender on the very worst hands, because having even a one-in-four chance of winning the full bet is better than losing half the bet and pushing the other half, as entailed by surrendering. The player places a further wager, and the dealer separates the new pair dealing a further card to each as before. Rule variants include allowing resplitting aces or allowing the player to hit split aces. After splitting aces, the common rule is that only one card will be dealt to each ace; the player cannot split, double, or take another hit on either hand. Games allowing aces to be resplit are not uncommon, but those allowing the player to hit split aces are extremely rare. Under the “Reno rule”, doubling down is only permitted on hard totals of 9, 10, or 11 (under a similar European rule, only 10 or 11). The basic strategy would otherwise call for some doubling down with hard 9 and soft 13-18, and advanced players can identify situations where doubling on soft 19-20 and hard 8, 7, and even 6 is advantageous. The Reno rule prevents the player from taking advantage of double-down in these situations and thereby increases the player’s expected loss. After a split, most games allow doubling down on the new two-card hands. In most non-U.S. casinos, a “no hole card” game is played, meaning that the dealer does not draw nor consult their second card until after all players have finished making decisions. With no hole card, it is rarely the correct basic strategy to double or split against a dealer ten or ace, since a dealer blackjack will result in the loss of the split and double bets; the only exception is with a pair of aces against a dealer 10, where it is still correct to split.