[Ghazban]

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Action offered and accepted

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then why have a table-stakes rule in the first place?

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So people who don't want the extra money to play don't have to accept it?

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If someone at the table complains about buy-in caps or table stakes, and the excess money would exceed one of these, I would simply request the winner pocket the excess booty. Basically treat that extra $20 as a side bet done off the table.

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A reasonable solution but not all places will allow that. The floor at Foxwoods made me stop betting flop colors with the guy next to me at a 1/2 NL game a couple years ago. I assumed at the time they were against any gambling they didn't get a cut of.