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      Doubling after splitting (DAS) is always permitted, and, in Undermount bathroom sinks most venues, players are allowed to draw as many cards as they wish after splitting Aces, or may double down after receiving second or subsequent cards. At the point of five, and no other, is it optional to the punter whether to take a card or not; nobody has the right to advise him, or to remark upon his decision. The banker has now to decide whether he himself will draw a card, being guided in his decision partly by the cards he already holds, partly by the card (if any) drawn by the punter, and partly by what he may know or guess of the latter's mode of play. At the same time the average bad debt write-off rate in France was 1.3% compared to Spain with 2.6%. The insolvency numbers of private individuals also does not show the whole picture