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Ask yourself: "I defined reader inside main and trying to use it inside playBlackjack() without passing as a parameter. Why in the world the compiler won't complain.".
You should modify your...

One apparent problem that I see is that you are trying to do absolute positioning for your gui components (buttons) without setting the layout manager to null. You must make a call to setLayout(null)...

To me you seem to be at pre beginner level. The grades is not visible in the second loop because it was declared the first for loop and is visible only inside the first for loop. It wont work unless:...