Hold-up and Avoidance - Deal 5
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Bidding: : (W) 1NT - 3NT     Lead : 7♥

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

Next

Hold up or not ?.
Whether to hold up or not can depend on the finesses Declarer intends to take.
In this Deal if a finesse may lose to South you want to hold up.
If on the other hand it may lose to North there is no point in holding up.
In this game there are two possible finesses Declarer can take. The ♠ finesse will lose to North, the ♣ finesse Declarer can take in either direction.
The best choice in this case is not to hold up and take the ♣ finesse so that it loses to North if it fails.