Bidding: : (W) 1♠ - 3♠ - 4♠ - Pass     Lead : Q♣

Trick 9		North 3♥
Declarer (W) ♠ - 8 - - - ♥ - J 8 6 ♦ - ♣ - - -	Q♥		7♥	Dummy (E) ♠ - - - ♥ A - ♦ - - - 10 9 ♣ 9 - -
		2♥ South		Won = 8 Lost = 1

Previous - Next

Because Declarer was able to discard his 4♣ loser on Dummy's Q♦ the direct finesse in ♥ is safe.
If South had won with the K♥ and then lead a ♣, Declarer could have ruffed it.

If South had played his K♦ at trick 7 instead, Declarer would have been forced to ruff instead of discarding his 4♣.
In that case the ♥ finesse would have been risky, costing 2 tricks if it failed.