North-South vulnerable.  
North deals.
                              NORTH
                              S: A 6 5 2          
                              H: A K 10 4 3  
                              D: A 5 4       
                              C: 6       
            WEST                             EAST
            S: K J 4                         S: 10           
            H: 8 7 5                         H: Q J 9 6 2  
            D: K Q J 10                      D: 6 3 2             
            C: 10 3 2                        C: A J 7 4     
                              SOUTH                         
                              S: Q 9 8 7 3
                              H: Void       
                              D: 9 8 7     
                              C: K Q 9 8 5
	The Bidding:
                  NORTH    EAST    SOUTH    WEST                  
                   1H      Pass     1S      Pass
                   4S      Pass     Pass    Pass
	Opening Lead: KD
     The opening lead was the king of diamonds and the result was
down one.  South was guilty of bad timing.  The ace of diamonds
won the first trick and the ace and king of hearts were played
immediately so that declarer could discard losing diamonds.
     At trick four the six of clubs was led from dummy.  East
played the ace of clubs and returned a diamond which was trumped
with the three of spades in the South hand.  This is the point
were declarer erred.  The seven of spades was led to the ace and
the deuce of spades returned toward the queen.  East showed out
on the second spade.  West won the king and cashed the jack. 
Another diamond lead followed which extracted the last entry from
the South hand.  Declarer was able to cash the king and queen of
clubs and then ruff a club in dummy, but had to concede a heart
trick for down one as there was no transportation back to the
good club in the South hand.
     A better plan for this hand would be to ruff a club prior to
drawing trump.  Additionally, it is usually right with this type
of trump holding to start drawing trumps by leading small toward
the queen and covering whatever card East plays.  This is a
safety play that provides a measure of control in the event that
the suit does not break well.
     Making a decision about trumping losers or drawing trumps is
not always as easy as it appears.  Construct a basic plan at
trick one and be flexible enough to adjust your plan as play
continues and you learn more about the outstanding cards.  
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