When the money went in is what matters, of course... but even so, what calculator are you using that is telling you that 4 outs = less than 5% with one card to come? Because whatever calculator it is, it's wrong... It's about twice that, in reality.
I mean, just think about it for a sec.... with 8 known cards (4 on the board, 2 in each hand), that leaves 44 unknown. 4 that help him and 40 that don't. 10:1. Which is obviously not 95%+.
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