This one is an expensive game where players, for the most part, do not know what they are betting on. Two and One is the same as Monte Carlo, except players are only dealt two cards. To get his third card, a player must call "in".
Those players who call "out" do not get the third card dealt to them as they are out of the game. Those players who called "in" flip over their two card hands. The dealer then flips a card from the deck face-up to those two-card hands that called "in", making a three card hand that follows the Monte Carlo what-beats-what table. When this game is dealt with a kitty, the kitty is always dealt its third card.