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But how did the card end up on the floor in the first place? How often does this truly happen? I can never recall a deck coming up short EVER while playing B&M.

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Earlier this year at the Borgata (old room,) a jack had fallen to the floor without anyone noticing. Played a short deck for 3-4 hands before dealer counted the stub. Don't remember how, but it actually helped me out on one big hand.

So it happens. But not often. I've seen more royals than this happening.