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A hard 13 is something like an A,4,8. "Hard" means that you can no longer use the Ace as an 11, it must be used as a 1. Hard hands can potentially bust if you take a hit.

A soft 13 would be a situation where the Ace could still be used as either a 1 or an 11. An example would be A,2. This hand cannot bust when taking a hit.

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