Stop here

"I'd rather stop here thanks." Knowing your luck, you'll draw a 10 or a Head and you'll bust anyway.

If the Dealer is surprised by your decision, she doesn't show it at all and start drawing her own cards.

She starts with a pair of 7. 14 total.

"Looks like this first round is mine Miss." She says with a smile as she gathers the cards again and get ready for another round.

Maybe you should have tried to take another card, as you lost pretty quickly. But you still have another chance.