public override bool TakeInsurance(Game game)
{
// the number of seen tens
int tens_count = card_counter[10];
// check if newly dealt player hand has tens and add them to the count
if (game.PlayerHandSet.ActiveHand[0].IsTenValue())
tens_count++;
if (game.PlayerHandSet.ActiveHand[1].IsTenValue())
tens_count++;
// switch to number of tens still in shoe
tens_count = game.Rules.Decks * 4 * 4 - tens_count;
// the +1 comes from the dealer's unknown which has been removed from the shoe
if (((double)tens_count / (double)(game.Shoe.Count + 1)) + pp_multiplier * 0.0002 > (1.0 / 3.0))
return true;
return false;
}