Bridge Quiz 18 Answer
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  Contract = 3NT Dummy
♥ 7 6 4
 
  ♥4  
West
Q J 10 8 2
> ♥Q   ♥K       East
      K 3
    ♥5    
  Declarer
♥ A 9 5
 


Declarer is holding up his ♥A until the 3rd trick, trying to isolate West's long suit.

If East wins the 2nd trick with his ♥K he is forced to lead another suit. Consequently Declarer can hold on to his ♥A stopper, which will greatly enhance his chaces of making the 3NT contract.

If East holds ♥ K 7 3, he should play the ♥7 on the 1st trick, but play the ♥K on the 2nd trick (in order not to block the suit at trick 3), so that he still has his ♥3 to lead at trick 3.