The Ricochet Blackjack

House Rules

The Dealer will always hit on 16 or less, and will always stay on a 17 or higher. The Dealer will stay on a soft 17, i.e. a 17 with an ace.
If you have a pair, you may split them into two hands. You may even split multiple times, if you get multiple pairs.
You may double down before you hit. Your bet will be doubled and you will receive one more card. You may double on a split hand.
You win immedately if you have a Blackjack (even if the Dealer also has one). Getting a Blackjack pays 3/2, i.e. if you bet $100, you win $150.
If the Dealer is showing an ace, you will be offered insurance at a cost of $100. If the Dealer has a Blackjack you win your bet plus the $100.
If you stay with a hand of 5 or more cards, you have a Five Card Charlie, and you automatically win. The Dealer does not get Five Card Charlies.
Each hand is played with a fresh deck. Sorry, but counting cards for multiple hands won't work. But don't worry, as long as you play well, the odds are stacked in you favor anyway.
The bank has $100 million. If you get more then this, you've broken the bank. (I don't think that this is possible, but you are welcome to try...)