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 - 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. 
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