Banker Niu-Niu

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Banker Niu Niu is a popular card game in Southern China and South-Eastern Asia,. The word “niu” in Chinese can be translated to cow, bull, or ox, so it is known in English as “cow cow”, “bull bull”, and “ox ox”.The goal of the game is to divide a five card hand into a left hand with three cards and a right hand with two cards. The value of the left hand must be a multiples of 10. The value of the right hand should be as high as possible. Face cards (Jacks, Queens, and Kings) are worth 10 points. Aces are worth 1 point. All other cards are worth their face value. The right hand is valued according to the rightmost digit of the sum of their constituent cards: for example, a hand consisting of 3 and 4 is worth 7, but a hand consisting of 7 and 8 is worth 5 (the rightmost digit of the total, 15). Since a right hand value with a multiples of 10 is the special pattern “NIU-NIU”, the highest possible right hand value is 9 and the lowest value is 1.