Hold-up and Avoidance - Deal 3
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Bidding: : (W) 1NT - 3NT     Lead : ♣5

Trick 1 North
5♣
 
Declarer (W)
A 7 5
K Q 7
Q J 10 2
K Q 6
    Dummy (E)
K 8 2
A 4 3
A 9 8 5
7 3 2
   
South
  Won = 0
Lost = 0

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Hold up & Avoidance.
Hold up once to guard against a 5-2 split in ♣s, then lead Q♦ for a direct finesse. If South has only two ♣s losing the finesse won't endanger the contract.