Novices Quiz 5 Answers
Bidding Responder's Hand
1.   1NT - 2NT     ♠ K J 6     ♥ 9 4     ♦ A 6 4 2     ♣ Q 8 7 5

2.   1NT - 3NT

    ♠ K 8 3     ♥ 9 7 4     ♦ J 9 6 2     ♣ A 5 3

3.   1NT - 3♥

    ♠ A 9     ♥ Q 10 8 6 3     ♦ A 9 8     ♣ 9 6 2

4.   1NT - Pass

    ♠ 9 7 5     ♥ K 8 6 3     ♦ Q 8 4 2     ♣ 7 6

5.   1NT - 4♠

    ♠ K Q J 10 8 5     ♥ 9     ♦ K 9 2     ♣ 7 4 3

6.   1NT -   2♥

    ♠ 4     ♥ K J 9 5 3     ♦ 8 3 2     ♣ J 9 6 5

7.   1NT - 2♣*

    ♠ K Q 4 2     ♥ A J 7 5     ♦ Q 9 5     ♣ 6 4

8.   1NT - 2♣*

    ♠ K Q 4 2     ♥ Q J 10 8 3     ♦ A 9     ♣ 8 3
* = Stayman Convention

Bidding Opener's Hand
  9.   1NT - 3♥ - 3NT     ♠ A Q 2     ♥ K 8     ♦ A J 9 5     ♣ K 5 3 2

10.   1NT - 2♠ - Pass

    ♠ Q 2     ♥ 9 8 7     ♦ A K Q 5     ♣ A Q 6 5

11.   1NT - 2♣ - 2♥

    ♠ K 7     ♥ A K 7 4     ♦ Q 7 5 3     ♣ A J 6

12.   1NT - 2♣ - 2♦

    ♠ K Q 3     ♥ A 9 2     ♦ K J 5     ♣ K Q 8 6

The Direct Finesse
Declarer   Dummy
1. ♠ >J 10 9   >3 7 Q A ♠

2. ♥ K 10 9   4 8 J A ♥
Two-way finesse, but lead the K or the A first

3. ♣ >A Q J 10   >4 ♣
A first, then lead the Q for a "ruffing finesse"
4. ♦ >Q J 3   >5 A ♦
When you need 2 tricks but can not aford to lose one