I'm just getting into functional programming and i'm in the "try out some non-trivial examples and ask others if I'm doing it wrong" phase. I'm following Don Syme's F# Tutorial and have decided to take a stab at the blackjack exercise at the end of Part II with a twist: he suggests treating Ace as 11 for simplicity's sake, but I decided to ignore that recommendation.
The way I'm handling it is by giving each card rank a list of possible values and building up a list of possible hand values recursively thus:
let cardValues (Card(rank, _)) =
    match rank with
    | Ace                 -> [1; 11]
    | King | Queen | Jack -> [10]
    | Value(value)        -> [value]
let rec handValues = function
    | [] -> [0]
    | card::cards ->
        [
            for handValue in handValues cards do
                for cardValue in cardValues card do
                    yield handValue + cardValue
        ]
The handValues function is so similar in structure to a fold that I can't shake the feeling there's already some high order function I can use to accomplish this. Is there something I'm missing or is this pretty much the right direction?