Simple Finesse - Deal 8
Deal 7 - Home - Deal 9

Bidding: : (W) 1♣ - 1♥ - 1NT -3NT     Lead : J♦

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

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Declarer can not afford to hold up the s. For if South takes over the trick with the Q♦, Declarer's K♠ is in immediate danger of being captured, enabling the Defence to cash in at least 4 ♠ tricks.