East-West vulnerable.  
South deals.
                              North
                              S: 8 6              
                              H: A J 10 3    
                              D: 9           
                              C: K 10 9 8 4 3
            West                             East
            S: J 10 9 5 4 2                  S: A 7 3        
            H: 6 4                           H: K 7 5      
            D: Q 6 5 4                       D: A 10 8 7 2        
            C: 7                             C: Q 6         
                              South                         
                              S: K Q  
                              H: Q 9 8 2    
                              D: K J 4     
                              C: A J 5 2  
          The Bidding:  
                  South    West    North    East                  
                   1NT     Pass     2C       2D 
                   2H      Pass     3H      Pass
                   3NT     Pass     Pass    Pass
          Opening lead: D4
     This hand contains many lessons - the first of which is that
it is very unusual to bypass a four-four major suit fit to play a
hand in no-trump.  This is not so true at team competition but
very true at matchpoints.  On this day, however, it was the last
board of the game and South had two bad boards and did not have
enough hand to bid four hearts, so decided that if he was going
to play a nine trick contract, it should be a game contract.
     What he did not take into consideration was that his partner
should have just bid four hearts when he found the fit.  With a
singleton in the opponents suit and a potential source of tricks
in clubs, inviting game was courting disaster.
     The first lead went to the ace of diamonds.  The low diamond
return was covered by the jack and won by the queen.  Another
diamond knocked out declarer's diamond stopper. The ace of clubs
was next.  When both opponents followed, declarer could count one
diamond, six clubs, a heart and a spade after the ace was driven
out.  That comes to nine but when you go to drive out the ace of
spades, the defense can cash enough diamonds to defeat the
contract.  
     If the king of hearts is in the West hand, nine tricks can
be made without allowing the defense to gain the lead. Declarer
decided to take the heart finesse.  This lost and the result was
down two. 
     Now, the really funny thing about this hand is that three no
trump is cold.  If declarer runs his clubs, watch what happens.
                              North
                              S: 8 6              
                              H: A J         
                              D: Void        
                              C: Void        
            West                             East
            S: J                             S: A            
            H: 6 4                           H: K 7        
            D: 6                             D: 10                
            C: Void                          C: Void        
                              South                         
                              S: K Q  
                              H: Q 9        
                              D: Void      
                              C: Void 
     In the four card ending, East cannot keep two diamonds.  To
do so, he would have to unguard the king of hearts.  So declarer,
having seen him discard a diamond, gets off lead with a spade. 
East wins and cashes a diamond, but then he has to lead a heart
and the last two tricks belong to the declarer.
     Unfortunately, if the contract was four hearts, as it should
be, declarer could lose a diamond, a heart, and a spade, making
four.  
     Of course, if declarer takes the heart finesse, he could go
down one.  West will not lead a diamond, but instead will select
the singleton club.  East wins the heart finesse and plays his
second club.  West trumps and returns a spade or a diamond
allowing East to cash two aces.
      There is a lot going on here - I hope you made the right
choice.
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