Signed-off-by: Matt Bruce <mbrucedogs@gmail.com>

Blackjack/Blackjack/Engine/GameState.swift

@@ -485,7 +485,11 @@ final class GameState {
         evaluateSideBets()
         
         // Check for insurance offer (only in American style with hole card)
-        if !settings.noHoleCard, let upCard = dealerUpCard, engine.shouldOfferInsurance(dealerUpCard: upCard) {
+        // Skip if user has opted out of insurance prompts
+        if !settings.noHoleCard,
+           !settings.neverAskInsurance,
+           let upCard = dealerUpCard,
+           engine.shouldOfferInsurance(dealerUpCard: upCard) {
             currentPhase = .insurance
             return
         }
@@ -567,6 +571,12 @@ final class GameState {
         }
     }
     
+    /// Declines insurance and sets the "never ask again" preference.
+    func neverAskInsurance() {
+        settings.neverAskInsurance = true
+        declineInsurance()
+    }
+    
     // MARK: - Player Actions
     
     /// Player hits (takes another card).

Blackjack/Blackjack/Models/GameSettings.swift

@@ -105,6 +105,9 @@ final class GameSettings {
     /// Whether insurance is offered.
     var insuranceAllowed: Bool = true { didSet { save() } }
     
+    /// Whether to skip the insurance prompt and auto-decline.
+    var neverAskInsurance: Bool = false { didSet { save() } }
+    
     /// Blackjack payout ratio (1.5 = 3:2, 1.2 = 6:5)
     var blackjackPayout: Double = 1.5 { didSet { save() } }
     
@@ -237,6 +240,7 @@ final class GameSettings {
         self.noHoleCard = data.noHoleCard
         self.blackjackPayout = data.blackjackPayout
         self.insuranceAllowed = data.insuranceAllowed
+        self.neverAskInsurance = data.neverAskInsurance
         self.sideBetsEnabled = data.sideBetsEnabled
         self.showAnimations = data.showAnimations
         self.dealingSpeed = data.dealingSpeed
@@ -263,6 +267,7 @@ final class GameSettings {
             noHoleCard: noHoleCard,
             blackjackPayout: blackjackPayout,
             insuranceAllowed: insuranceAllowed,
+            neverAskInsurance: neverAskInsurance,
             sideBetsEnabled: sideBetsEnabled,
             showAnimations: showAnimations,
             dealingSpeed: dealingSpeed,
@@ -290,6 +295,7 @@ final class GameSettings {
         noHoleCard = false
         blackjackPayout = 1.5
         insuranceAllowed = true
+        neverAskInsurance = false
         sideBetsEnabled = false
         showAnimations = true
         dealingSpeed = 1.0

Blackjack/Blackjack/Resources/Localizable.xcstrings

@@ -1057,6 +1057,28 @@
         }
       }
     },
+    "Auto-decline when dealer shows Ace" : {
+      "localizations" : {
+        "en" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Auto-decline when dealer shows Ace"
+          }
+        },
+        "es-MX" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Rechazar automáticamente cuando el crupier muestra As"
+          }
+        },
+        "fr-CA" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Refuser automatiquement quand le croupier montre un As"
+          }
+        }
+      }
+    },
     "Baccarat" : {
       "comment" : "The name of a casino game.",
       "isCommentAutoGenerated" : true,
@@ -2625,6 +2647,28 @@
         }
       }
     },
+    "Don't Ask" : {
+      "localizations" : {
+        "en" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Don't Ask"
+          }
+        },
+        "es-MX" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "No preguntar"
+          }
+        },
+        "fr-CA" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Ne pas demander"
+          }
+        }
+      }
+    },
     "Double" : {
       "localizations" : {
         "en" : {
@@ -5800,6 +5844,28 @@
         }
       }
     },
+    "Skip Insurance Prompt" : {
+      "localizations" : {
+        "en" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Skip Insurance Prompt"
+          }
+        },
+        "es-MX" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Omitir aviso de seguro"
+          }
+        },
+        "fr-CA" : {
+          "stringUnit" : {
+            "state" : "translated",
+            "value" : "Ignorer l'invitation d'assurance"
+          }
+        }
+      }
+    },
     "Some games: Dealer hits on 'soft 17' (Ace + 6)." : {
       "comment" : "Description of a rule where the dealer must hit on a 'soft 17' (Ace + 6) in some blackjack games.",
       "isCommentAutoGenerated" : true,

Blackjack/Blackjack/Storage/BlackjackGameData.swift

@@ -66,6 +66,7 @@ struct BlackjackSettingsData: PersistableGameData {
             noHoleCard: false,
             blackjackPayout: 1.5,
             insuranceAllowed: true,
+            neverAskInsurance: false,
             sideBetsEnabled: false,
             showAnimations: true,
             dealingSpeed: 1.0,
@@ -90,6 +91,7 @@ struct BlackjackSettingsData: PersistableGameData {
     var noHoleCard: Bool
     var blackjackPayout: Double
     var insuranceAllowed: Bool
+    var neverAskInsurance: Bool
     var sideBetsEnabled: Bool
     var showAnimations: Bool
     var dealingSpeed: Double

Blackjack/Blackjack/Theme/DesignConstants.swift

@@ -121,10 +121,15 @@ enum Design {
     // MARK: - Card Deal Animation
     
     enum DealAnimation {
-        /// Horizontal offset for card deal (from upper-right, simulating shoe)
+        /// Horizontal offset for dealer cards (shoe is nearby, less horizontal travel)
-        static let offsetX: CGFloat = 150
+        static let dealerOffsetX: CGFloat = 120
-        /// Vertical offset for card deal (from above the table)
+        /// Vertical offset for dealer cards (small since near top)
-        static let offsetY: CGFloat = -200
+        static let dealerOffsetY: CGFloat = -80
+        
+        /// Horizontal offset for player cards (shoe is far away, more horizontal travel)
+        static let playerOffsetX: CGFloat = 180
+        /// Vertical offset for player cards (large since far from top)
+        static let playerOffsetY: CGFloat = -350
     }
 }
 

Blackjack/Blackjack/Views/Game/GameTableView.swift

@@ -186,7 +186,8 @@ struct GameTableView: View {
                     betAmount: state.currentBet / 2,
                     balance: state.balance,
                     onTake: { Task { await state.takeInsurance() } },
-                    onDecline: { state.declineInsurance() }
+                    onDecline: { state.declineInsurance() },
+                    onNeverAsk: { state.neverAskInsurance() }
                 )
                     }
                     .ignoresSafeArea()

Blackjack/Blackjack/Views/Sheets/SettingsView.swift

@@ -146,6 +146,15 @@ struct SettingsView: View {
                             isOn: $settings.showCardsRemaining,
                             accentColor: accent
                         )
+                        
+                        Divider().background(Color.white.opacity(Design.Opacity.hint))
+                        
+                        SettingsToggle(
+                            title: String(localized: "Skip Insurance Prompt"),
+                            subtitle: String(localized: "Auto-decline when dealer shows Ace"),
+                            isOn: $settings.neverAskInsurance,
+                            accentColor: accent
+                        )
                     }
                 }
                 

Blackjack/Blackjack/Views/Table/BlackjackTableView.swift

@@ -91,6 +91,8 @@ struct BlackjackTableView: View {
                 hand: state.dealerHand,
                 showHoleCard: state.shouldShowDealerHoleCard,
                 showCardCount: showCardCount,
+                showAnimations: state.settings.showAnimations,
+                dealingSpeed: state.settings.dealingSpeed,
                 cardWidth: cardWidth,
                 cardSpacing: cardSpacing
             )
@@ -121,6 +123,8 @@ struct BlackjackTableView: View {
                     activeHandIndex: state.activeHandIndex,
                     isPlayerTurn: state.isPlayerTurn,
                     showCardCount: showCardCount,
+                    showAnimations: state.settings.showAnimations,
+                    dealingSpeed: state.settings.dealingSpeed,
                     cardWidth: cardWidth,
                     cardSpacing: cardSpacing,
                     currentHint: state.currentHint,

Blackjack/Blackjack/Views/Table/DealerHandView.swift

@@ -12,12 +12,19 @@ struct DealerHandView: View {
     let hand: BlackjackHand
     let showHoleCard: Bool
     let showCardCount: Bool
+    let showAnimations: Bool
+    let dealingSpeed: Double
     let cardWidth: CGFloat
     let cardSpacing: CGFloat
     
     @ScaledMetric(relativeTo: .headline) private var labelFontSize: CGFloat = Design.Size.handLabelFontSize
     @ScaledMetric(relativeTo: .headline) private var badgeHeight: CGFloat = CasinoDesign.Size.valueBadge
     
+    /// Scaled animation duration based on dealing speed.
+    private var animationDuration: Double {
+        Design.Animation.springDuration * dealingSpeed
+    }
+    
     var body: some View {
         
         VStack(spacing: Design.Spacing.small) {
@@ -62,12 +69,14 @@ struct DealerHandView: View {
                         }
                         .zIndex(Double(index))
                         .transition(
-                            .asymmetric(
+                            showAnimations
-                                insertion: .offset(x: Design.DealAnimation.offsetX, y: Design.DealAnimation.offsetY)
+                            ? .asymmetric(
+                                insertion: .offset(x: Design.DealAnimation.dealerOffsetX, y: Design.DealAnimation.dealerOffsetY)
                                     .combined(with: .opacity)
                                     .combined(with: .scale(scale: Design.Scale.slightShrink)),
                                 removal: .scale.combined(with: .opacity)
                             )
+                            : .identity
                         )
                     }
                     
@@ -78,7 +87,12 @@ struct DealerHandView: View {
                     }
                 }
             }
-            .animation(.spring(duration: Design.Animation.springDuration, bounce: Design.Animation.springBounce), value: hand.cards.count)
+            .animation(
+                showAnimations
+                ? .spring(duration: animationDuration, bounce: Design.Animation.springBounce)
+                : .none,
+                value: hand.cards.count
+            )
             .overlay(alignment: .bottom) {
                 // Result badge - overlayed so it doesn't add height to the view
                 if let result = hand.cards.count >= 2 && showHoleCard ? handResultText : nil {
@@ -136,6 +150,8 @@ struct DealerHandView: View {
             hand: BlackjackHand(),
             showHoleCard: false,
             showCardCount: false,
+            showAnimations: true,
+            dealingSpeed: 1.0,
             cardWidth: 60,
             cardSpacing: -20
         )
@@ -152,6 +168,8 @@ struct DealerHandView: View {
             ]),
             showHoleCard: false,
             showCardCount: false,
+            showAnimations: true,
+            dealingSpeed: 1.0,
             cardWidth: 60,
             cardSpacing: -20
         )
@@ -168,6 +186,8 @@ struct DealerHandView: View {
             ]),
             showHoleCard: true,
             showCardCount: true,
+            showAnimations: true,
+            dealingSpeed: 1.0,
             cardWidth: 60,
             cardSpacing: -20
         )

Blackjack/Blackjack/Views/Table/InsurancePopupView.swift

@@ -13,6 +13,7 @@ struct InsurancePopupView: View {
     let balance: Int
     let onTake: () -> Void
     let onDecline: () -> Void
+    let onNeverAsk: () -> Void
     
     @State private var showContent = false
     
@@ -47,39 +48,50 @@ struct InsurancePopupView: View {
                     .padding(.bottom, Design.Spacing.small)
                 
                 // Buttons
-                HStack(spacing: Design.Spacing.large) {
+                VStack(spacing: Design.Spacing.medium) {
-                    // Decline button
+                    HStack(spacing: Design.Spacing.large) {
-                    Button(action: onDecline) {
+                        // Decline button
-                        Text(String(localized: "No Thanks"))
+                        Button(action: onDecline) {
-                            .font(.system(size: Design.BaseFontSize.medium, weight: .semibold))
+                            Text(String(localized: "No Thanks"))
-                            .foregroundStyle(.white)
+                                .font(.system(size: Design.BaseFontSize.medium, weight: .semibold))
-                            .padding(.horizontal, Design.Spacing.xLarge)
+                                .foregroundStyle(.white)
-                            .padding(.vertical, Design.Spacing.medium)
-                            .background(
-                                Capsule()
-                                    .fill(Color.red.opacity(Design.Opacity.heavy))
-                            )
-                    }
-                    
-                    // Accept button (only if can afford)
-                    if balance >= betAmount {
-                        Button(action: onTake) {
-                            Text(String(localized: "Yes ($\(betAmount))"))
-                                .font(.system(size: Design.BaseFontSize.medium, weight: .bold))
-                                .foregroundStyle(.black)
                                 .padding(.horizontal, Design.Spacing.xLarge)
                                 .padding(.vertical, Design.Spacing.medium)
                                 .background(
                                     Capsule()
-                                        .fill(
+                                        .fill(Color.red.opacity(Design.Opacity.heavy))
-                                            LinearGradient(
-                                                colors: [Color.CasinoButton.goldLight, Color.CasinoButton.goldDark],
-                                                startPoint: .top,
-                                                endPoint: .bottom
-                                            )
-                                        )
                                 )
                         }
+                        
+                        // Accept button (only if can afford)
+                        if balance >= betAmount {
+                            Button(action: onTake) {
+                                Text(String(localized: "Yes ($\(betAmount))"))
+                                    .font(.system(size: Design.BaseFontSize.medium, weight: .bold))
+                                    .foregroundStyle(.black)
+                                    .padding(.horizontal, Design.Spacing.xLarge)
+                                    .padding(.vertical, Design.Spacing.medium)
+                                    .background(
+                                        Capsule()
+                                            .fill(
+                                                LinearGradient(
+                                                    colors: [Color.CasinoButton.goldLight, Color.CasinoButton.goldDark],
+                                                    startPoint: .top,
+                                                    endPoint: .bottom
+                                                )
+                                            )
+                                    )
+                            }
+                        }
+                    }
+                    
+                    // Don't Ask Again button
+                    Button(action: onNeverAsk) {
+                        Text(String(localized: "Don't Ask"))
+                            .font(.system(size: Design.BaseFontSize.small, weight: .medium))
+                            .foregroundStyle(.white.opacity(Design.Opacity.medium))
+                            .padding(.horizontal, Design.Spacing.large)
+                            .padding(.vertical, Design.Spacing.small)
                     }
                 }
             }
@@ -113,7 +125,8 @@ struct InsurancePopupView: View {
         betAmount: 500,
         balance: 4500,
         onTake: {},
-        onDecline: {}
+        onDecline: {},
+        onNeverAsk: {}
     )
 }
 
@@ -122,7 +135,8 @@ struct InsurancePopupView: View {
         betAmount: 500,
         balance: 200,
         onTake: {},
-        onDecline: {}
+        onDecline: {},
+        onNeverAsk: {}
     )
 }
 

Blackjack/Blackjack/Views/Table/PlayerHandView.swift

@@ -16,6 +16,8 @@ struct PlayerHandsView: View {
     let activeHandIndex: Int
     let isPlayerTurn: Bool
     let showCardCount: Bool
+    let showAnimations: Bool
+    let dealingSpeed: Double
     let cardWidth: CGFloat
     let cardSpacing: CGFloat
     
@@ -43,6 +45,8 @@ struct PlayerHandsView: View {
                             hand: hand,
                             isActive: isActiveHand,
                             showCardCount: showCardCount,
+                            showAnimations: showAnimations,
+                            dealingSpeed: dealingSpeed,
                             // Hand numbers: rightmost (index 0) is Hand 1, played first
                             handNumber: hands.count > 1 ? index + 1 : nil,
                             cardWidth: cardWidth,
@@ -95,6 +99,8 @@ struct PlayerHandView: View {
     let hand: BlackjackHand
     let isActive: Bool
     let showCardCount: Bool
+    let showAnimations: Bool
+    let dealingSpeed: Double
     let handNumber: Int?
     let cardWidth: CGFloat
     let cardSpacing: CGFloat
@@ -105,6 +111,11 @@ struct PlayerHandView: View {
     /// Whether the hint toast should be visible.
     let showHintToast: Bool
     
+    /// Scaled animation duration based on dealing speed.
+    private var animationDuration: Double {
+        Design.Animation.springDuration * dealingSpeed
+    }
+    
     @ScaledMetric(relativeTo: .headline) private var labelFontSize: CGFloat = Design.Size.handLabelFontSize
     @ScaledMetric(relativeTo: .caption) private var handNumberSize: CGFloat = Design.Size.handNumberFontSize
     @ScaledMetric(relativeTo: .body) private var iconSize: CGFloat = Design.Size.handIconSize
@@ -132,17 +143,24 @@ struct PlayerHandView: View {
                         }
                         .zIndex(Double(index))
                         .transition(
-                            .asymmetric(
+                            showAnimations
-                                insertion: .offset(x: Design.DealAnimation.offsetX, y: Design.DealAnimation.offsetY)
+                            ? .asymmetric(
+                                insertion: .offset(x: Design.DealAnimation.playerOffsetX, y: Design.DealAnimation.playerOffsetY)
                                     .combined(with: .opacity)
                                     .combined(with: .scale(scale: Design.Scale.slightShrink)),
                                 removal: .scale.combined(with: .opacity)
                             )
+                            : .identity
                         )
                     }
                 }
             }
-            .animation(.spring(duration: Design.Animation.springDuration, bounce: Design.Animation.springBounce), value: hand.cards.count)
+            .animation(
+                showAnimations
+                ? .spring(duration: animationDuration, bounce: Design.Animation.springBounce)
+                : .none,
+                value: hand.cards.count
+            )
             .padding(.horizontal, Design.Spacing.medium)
             .padding(.vertical, Design.Spacing.medium)
             .background(
@@ -246,6 +264,8 @@ struct PlayerHandView: View {
             activeHandIndex: 0,
             isPlayerTurn: true,
             showCardCount: false,
+            showAnimations: true,
+            dealingSpeed: 1.0,
             cardWidth: 60,
             cardSpacing: -20,
             currentHint: nil,
@@ -265,6 +285,8 @@ struct PlayerHandView: View {
             activeHandIndex: 0,
             isPlayerTurn: true,
             showCardCount: false,
+            showAnimations: true,
+            dealingSpeed: 1.0,
             cardWidth: 60,
             cardSpacing: -20,
             currentHint: "Hit",
@@ -298,6 +320,8 @@ struct PlayerHandView: View {
             activeHandIndex: 1,
             isPlayerTurn: true,
             showCardCount: true,
+            showAnimations: true,
+            dealingSpeed: 1.0,
             cardWidth: 60,
             cardSpacing: -20,
             currentHint: "Stand",