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Betting on "Banker" has the highest winning rate in Baccarat, with a winning rate of about 45%. However, the house will charge a 5% commission for this bet. The payout ratio for "Banker" is 1:1 after deducting the commission.

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Gambler Psychology: Understanding the Psychology of a "Betting Enthusiast"

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Odds for substitution bets range from 2:1 to 5:1， and vary depending on the coach's tactics and the match situation. Matches with strong or drastic changes in formation will have high odds for the number of substitutions.