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In the English speaking world the Punto Banco variant is the most popular form of Baccarat. In Punto Banco the house banks the game always and plays out both hands based on the casinos drawing rules. In traditional Baccarat each hand is played by a separate person who can decide whether or not to draw an additional card. In Punto Banco "Player" and "Banker" are representing only two competing hands which are not associated to the player or casino.