Hold-up and Avoidance - Deal 4
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Bidding: : (W) 1NT - 3NT     Lead : ♣5

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

Next

Hold up or not ?.
The hands are almost identical to the ones in Deal 3, except that this time the finess in ♦ has to be taken the other way !
This means that if the finesse fails it will be North (with the probable 5-card ♣ suit) that will gain the lead.

In this scenario Declarer holding up the first ♣ trick will not safe the contract.
Instead Declarer must win the first trick with his Q♣. Now, if North gains the lead, Declarer's K♣ is not indanger of being caught, for North either has to lead his A♣ or lead away from it.