Dealer West Both  Vul.

                                    ♠          A K Q 9

                                    ♥          K 6 4

                                    ♦          K 9 5 3

                                    ♣          J 10

            ♠          7 3 2                             ♠          6 5

            ♥          Q J 10                          ♥          A 9 8 7 5 3 2

            ♦          6 2                                ♦          8 7

            ♣          K 9 8 7 6                                   ♣          5 3

                                    ♠          J 10 8 4

                                    ♥          —

                                    ♦          A Q J 10 4

                                    ♣          A Q 4 2

Initially you have 4 top trumps, 5 top Diamonds and 1Club. 

If you can ruff 3 Hearts in hand then that will generate 3 more tricks brining the total to 13 without taking the Club finesse. This however depends on Diamonds breaking kindly 2:2 (as you will need the Diamonds as entries. If one of the nasty opponents trumps your second Diamond you can still fall back on the Club finesse for the 12^th trick.

With all this in mind ruff the first trick after Et covers dummy’s King with the Ace.

As you only need 3 trump ruffs in hand you can now enter dummy with a trump. You now ruff a second Heart in hand . You go over to dummy with a top Diamond carefully unblocking the ¨10

You now ruff your last Heart. You now play  your carefully preserved ¨4 over to dummy’s ¨9 delighted to see both opponents following suit. You now draw the remaining 3 trumps again pleased to see them break 3:2

Now the rest are yours as you chuck all your losing Clubs on dummy’s trumps.

You eventually made with due care and attention. 4 trumps from dummy, 5 Diamonds 1 Club and 3 Heart ruffs in hand.

You can also play out the following hand  to see how the hand pans out. (You need bridgvu.exe programme  and it is available free from   http://www.haroldschogger.videoes.html or BridgeBase programme on your machine already to view it )

alternatively watch the film of the hand being played out by going to www.haroldschogger.com/movies2.htm