The below given figure comprises of a pattern through which you can determine the missing letter. Can you push your mind to find the pattern and add the missing letter?
Two old friends, Jack and Bill, meet after a long time.
Three kids
Jack: Hey, how are you, man?
Bill: Not bad, got married and I have three kids now.
Jack: That's awesome. How old are they?
Bill: The product of their ages is 72 and the sum of their ages is the same as your birth date.
Jack: Cool..But I still don't know.
Bill: My eldest kid just started taking piano lessons.
Jack: Oh, now I get it.
13 decks of cards have been mixed. What is the minimum number of cards that must be taken out from the above-mixed cards to guarantee at least one 'four of a kind?