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The term 3 to 2 can be confusing. What this ratio is telling us is that the player will get paid 3 chips for every 2 chips they bet, or 3 to 2. Another way to think about it is, 3 to 2 is exactly the same as 1 . And it's a lot easier to figure out half of the bet and then add that number to the original bet.
When the dealer has served every player, the dealers face-down card is turned up. If the total is 17 or more, it must stand. If the total is 16 or under, they must take a card. The dealer must continue to take cards until the total is 17 or more, at which point the dealer must stand.