Recently I had 16 against dealer 10. I would have surrendered if without the matchplay coupon of $100. Of course I would loss the coupon if I choose to surrender. At that occasion, I only had $100 own chip in the circle. It is easy for me to figure out that I should hit to try to win or push for $200 instead of saving $50. I was lucky to pull a 5 out of the shoe. My question for those math wiz would be the following. How large the ratio of my bet to the value of the match play coupon should be to make surrender a better choice? Say it is a 6d shoe game, 16 against 10 at running count of zero.