All vulnerable.  South deals.
                              NORTH
                              S: J 10 7 6 3       
                              H: A           
                              D: 6 4         
                              C: A K 7 5 3
            WEST                             EAST
            S: K Q 8                         S: A 9 4        
            H: J 9 7 3                       H: Q 8 6 4 2  
            D: 10 3                          D: J 9 8 7           
            C: Q 10 6 4                      C: J           
                              SOUTH                         
                              S: 5 2  
                              H: K 10 5        
                              D: A K Q 5 2
                              C: 9 8 2    
                  SOUTH    WEST    NORTH    EAST                  
                   1D      Pass     1S      Pass
                   1NT     Pass     3C      Pass
                   3D      Pass     3NT     Pass
                   Pass    Pass     
     This hand presents an interesting play problem.  West led
the three of hearts.  With seven top tricks, declarer has to
establish two more tricks in the minor suits to bring his
contract home.  
     South won the opening lead in dummy with the ace.  Since
determining how to play the diamond suit depended on how many
tricks could be won with the club suit, declarer called for the
ace of clubs and when East played the jack, he alertly unblocked
by playing the eight of clubs from his hand.  The three of clubs
was played.  East discarded the nine of spades and declarer
played the nine of clubs.  West could not afford to win this
trick.  If he did, declarer could lead the two of clubs toward
the dummy and take the marked finesse for four tricks in the club
suit.  West, therefore played the six and the nine of clubs held. 
Declarer know could count three tricks from the club suit and
would need only four tricks from the diamond suit. He took the
best line by playing the two from hand and then ducking with the
four from dummy.  So long as the diamond suit divided no worse
than 4-2, declarer would always come to four diamonds, three
clubs, and two hearts.  
     Had the clubs divided in such a way that declarer could not
score more than the ace and the king, he would have had to rely
on an even division of the diamond suit to make his contract.  If
that were the case, he could score five diamond tricks by playing
diamonds from the top.  Declarer's careful play of the club suit
allowed him to make a better play in the diamond suit.  
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