You must make 14 or 21 to win the game.
If Player has over 21 - the Player will lose.
If the House has over 21 - the House will lose.
If both have over 21 it's a draw.
If both have under 21 (but not 14) the winner will be the one who is the closest to 21.
Black Joker = 1
2 = 2
3 = 3
...
10 = 10
J = 11
Q = 12
K = 13
A = 14
Red Joker = 15