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

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

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

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Declarer can not afford to take the ♣ finesse. For if it fails to North, North will cash his two winners and Declarer will lose his 3NT contract, going down 2 tricks !