The presence of a 10 in the player's hand has two consequences: 9 It makes the player's 12 a worse hand to stand on (since the only way to avoid losing is for the dealer to go bust, which is less likely if there are.
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This mainly reflects an increased likelihood of player blackjack, since if the players draws a ten on their first card, the subsequent probability of drawing an ace is higher with fewer decks.
The value of cards two through ten is their pip value (2 through 10).
The advantage of the dealer's position in blackjack relative to the player comes from the fact that if the player busts, the player loses, regardless of whether the dealer subsequently busts.
It pays 2:1 (meaning that the player receives two dollars for every dollar bet) and is available when the dealer's exposed card is an ace.