If you stay in 16 when the dealer has a Jack showing, you will lose more times than win. If the down card is a 7, 8, 9, 10, J, Q, K, or A, you lose automatically. If it’s any other card, the dealer has another chance to take a card to beat you. You only win if the dealer gets a 2, 3, 4, 5, or 6, followed by a card large enough to bust.