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Is this really a bad offense worthy of penalty? Players in my home game constantly voice their opinion as to what players in the hand have. But bottom line: it's still a guess.

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Most of the time, yes, this is true. But what about Player A leads out on a board of 99Q310. Player B is ready to muck, someone says "I wonder if one of the draws got there..." Player B re-checks his hole cards and finds J8 and calls. Does this not deserve a penalty?