Stand only when your true edge is equal to or greater than the number in the table. Double down only when your true edge is equal to or greater than the number in the table. Note that no soft doubling indices are provided here—there is very little value to varying from basic strategy in these situations. If you want to use these indices, you will find them in the Appendix.
Split all pairs according to basic strategy. A few of the ten splits have some dollar value, but there is very little value in varying from basic strategy on other pair-split decisions. You will find extensive pair-split indices, which may be useful camouflage, in the Appendix. Learn these if you want, but they are worth very little in dollars and cents.
Surrender only when your true edge is equal to or greater than the number in the table. Note that these are the late surrender indices. Should you discover an early surrender game, which is rare, you will find the proper indices in the Appendix.
Take insurance only when your true edge is equal to or greater than
+ 2.
The easiest way to learn the Hi-Lo Lite strategy indices is to start with the bold indices and learn them in blocks. Unless you play in games with surrender, you may ignore the bold indices for surrender.
The 0 Block is most important, and after that, learn the +2 Block. Shoe game players need never learn any indices other than these. If you play in hand-held games, these indices are still the most important. Learn the others in blocks, if you want to add an extra few tenths of a percent to your advantage, starting with the positive indices. The negative indices are least important.
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