On their turn, players must choose whether to "hit" (take a card), "stand" (end their turn), "double" (double wager, take a single card and finish), "split" (if the two cards have the same value, separate them to make two hands) or "surrender" (give up a half-bet and retire from the game). Number cards count as their natural value; the jack, queen, and king (also known as "face cards" or "pictures") count as 10; aces are valued as either 1 or 11 according to the player's choice. If the hand value exceeds 21 points, it busts, and all bets on it are immediately forfeit. After all boxes have finished playing, the dealer's hand is resolved by drawing cards until the hand busts or achieves a value of 17 or higher (a dealer total of 17 including an ace valued as 11, also known as a "soft 17", must be drawn to in some games and must stand in others). The dealer never doubles, splits, or surrenders. If the dealer busts, all remaining player hands win. If the dealer does not bust, each remaining bet wins if its hand is higher than the dealer's, and loses if it is lower. If a player receives 21 on the 1st and 2nd card it is considered a "natural" or "blackjack" and the player is paid out immediately unless dealer also has a natural, in which case the hand ties. In the case of a tied score, known as "push" or "standoff", bets are normally returned without adjustment; however, a blackjack beats any hand that is not a blackjack, even one with a value of 21. Wins are paid out at 1:1, or equal to the wager, except for player blackjacks which are traditionally paid at 3:2 (meaning the player receives three dollars for every two bet) or one-and-a-half times the wager. Many casinos today pay blackjacks at less than 3:2 at some tables; for instance, single-deck blackjack tables often pay 6:5 for a blackjack instead of 3:2. Blackjack games almost always provide a side bet called insurance, which may be played when dealer's upcard is an ace. Additional side bets, such as "Dealer Match" which pays when the player's cards match the dealer's up card, are sometimes available. After receiving an initial two cards, the player has up to four standard options: "hit", "stand", "double down", or "split".