Neither side vulnerable.  
South deals.
                              NORTH
                              S: J 10 4           
                              H: K 8 4       
                              D: A K 8 5     
                              C: 9 8 6   
            WEST                             EAST
            S: K 9 8 3                       S: Q 6 2        
            H: Q 10 5 3                      H: J 9 7      
            D: J 9 4                         D: 10 6              
            C: A 3                           C: J 10 7 4 2  
                              SOUTH                         
                              S: A 7 5 
                              H: A 6 3      
                              D: Q 7 3 2   
                              C: K Q 5    
                  SOUTH    WEST    NORTH    EAST                  
                   1NT     Pass     3NT   (All Pass)
     Opening Lead: S3
     The opening lead was the three spades.  Declarer called for
the jack from dummy.  East covered with the queen and declarer
ducked!  The spade return at trick two sealed declarer's fate and
an ice cold contract was down one.
     Declarer was afraid that East might hold both the king and
the queen of spades.  That would mean that West would have led
the three of spades from a four or five card suit headed by the
nine.  This is very unlikely.  It is much better to win the ace
and clear four rounds of diamonds ending in dummy.  Now lead a
club toward the South hand, driving out the ace.  The defense can
do no better than to knock out your spade stopper and you will
score two spade tricks, two heart tricks, four diamond tricks and
a club for a total of nine.
     Think about the layout of the suit led at trick one.  Play
for the most likely holding and you will be right the greatest
portion of the time.
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