Neither side vulnerable.  West deals.
                              NORTH
                              S: J 10 5 3              
                              H: A K 7 6     
                              D: A Q 3       
                              C: K 2     

                              SOUTH                         
                              S: A K 9 8
                              H: J 9 2      
                              D: 7 5 4     
                              C: J 9 3  
           The Bidding:
                   WEST   NORTH     EAST   SOUTH                  
                    3C   Double     Pass    4S  
                   Pass    Pass     Pass
     Opening Lead: CA
     The opening lead was the ace of clubs.  The two was played
from dummy, East contributed the four, and South played the
three.  West continued with the five of clubs.  Dummies king was
trumped with the two of spades by East.  The seven of spades was
led.  South won this trick with the ace as West played the queen. 
Decide how you would continue before reading on.
     The world of tournament bridge players consists of a small
group of experts who are sometimes referred to as "major
leaguers", a large group of good players trying to get better so
as to be able to compete with the experts, and the rest of us who
would like very much to break into the "minor leagues".
     Which group you are in might be determined by how you would
go about playing this contract.  The actual declarer decided to
rely on the diamond finesse for his tenth trick.  The defense
wound up taking the ace of clubs, a club ruff, the king of
diamonds and the queen of hearts.  The play is not easy, but a
major league player would find a better line.  Here is the
complete deal:

                              NORTH
                              S: J 10 5 3              
                              H: A K 7 6     
                              D: A Q 3       
                              C: K 2     
            WEST                             EAST
            S: Q                             S: 7 6 4 2      
            H: 5 4 3                         H: Q 10 8     
            D: 8 6                           D: K J 10 9 2        
            C: A Q 10 8 7 6 5                C: 4           
                              SOUTH                         
                              S: A K 9 8
                              H: J 9 2      
                              D: 7 5 4     
                              C: J 9 3
     An expert would only rely on the diamond finesse if all else
failed.  What is all else?  Well, he knows that East started with
one club and four little spades.  (West is not going to false
card with the queen of spades).  The distribution of the red
suits will determine if (or how) he will play diamonds.  After
winning the trump return, our expert plays two more rounds of
trump.  Now he plays the ace and king of hearts.  When the queen
does not appear, he will continue with another heart.  If hearts
are three-three, as shown, East, upon winning the queen of hearts
is endplayed and must lead a diamond around to the ace-queen in
dummy.  If East started with four hearts and is able to get off
lead with the fourth heart, or if West has the queen of hearts,
declarer will have to take the diamond finesse, but only because
it is his last resort.
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