The wife and I were playing together at a casino that had the max payout for Lucky Ladies. We were playing $5 on the side bet and my wife gets the Lucky Ladies. She's literally bouncing up and down like a jack-in-the-box, uttering animal like sounds. The dealer, a kindly elderly gentleman, had a sly smile and twinkle in his eye as he takes his finger and points to the Ace for his up card. "Insurance", he asks. My wife had not grasped that if the dealer had a natural blackjack she would win $5,000. Dealer turns over his hole card and shows a nine. She was still elated at winning a $1,000 and tipped the dealer handsomely.