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

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

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Declarer has won 5 tricks and sees 4 more sure winners, enough to make his contract. Three rounds of ♠ have been played and two ♠ are left in the game. If North has both, South can not have any. But if South does have one more ♠, North only has one. It is therefore safe to take the ♦ finesse, even if it fails (as in this case). In fact Declarer must take the ♦ finesse now, for it has a 50% chance to make an overtrick and possibly a top score.