Simple Finesse - Deal 4
Deal 3 - Home - Deal 5

Bidding: : (W) 1♣ - 1♦ - 3NT     Lead : Q♠

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

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When a finesse is the lesser option
Hold up ♠ once.
Play for a 3-2 split in ♣, it has a 65% chance of success.
Only take the finesse later if it is safe to so. It has only a 50% chance of success.