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In baccarat, each card has a specific value. The cards two through nine are worth their face value, while tens and face cards (jacks, queens, and kings) are worth zero. The ace is worth one point. When the cards are dealt, their values are added together. If the sum exceeds nine, only the last digit of the total counts. For instance, if you have a seven and a five, totaling 12, your hand is actually worth two. Understanding these values is crucial for making informed bets.