Hold-up and Avoidance - Deal 1
Home - Deal 2

Bidding: : (W) 1NT - 3NT     Lead : 4♥

Trick 5 North
7♦
 
Declarer (W)
A Q 6
- - -
- - 6
A 7 5 3
10♦     4♦   Dummy (E)
K 4 3
- -
K J 9 - -
Q J -
    Q♦
South
  Won = 2
Lost = 3

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It is important that if the finesse fails, it is South (not North) who wins the trick.
For if South does have another , North can only have one too.
But if South does not have another he can not lead when he gains the lead.