What we actually can expect with negative expected value? At least several downswings. And they may last longer than you ever can imagine. The most important thing is to keep calm.
Two? This card is known as ”Mini Ace” when dealer gets one. But it also provides lots of leeway for players. So it's time to dig deeper in this curious case.
Should you ever surrender? Well, in blackjack there are some situations when surrendering is the correct way to play.
Never split face cards - this should be rather obvious for everyone. But what if you hold two nines instead? Then the optimal play is completely different story.