OK, it is now time to reveal the answer key, which, at the table, I was regretfully not privy to: [hv=d=n&v=b&n=skxxh8dak8xckqjxx&w=sq8xxhqjxdqxxxc10x&e=saj10xxha9xxdjca9x&s=s9hk10xxxd10976c832]399|300|Scoring: IMP[/hv] My ♦10 return was ducked by dummy and partner and ruffed. Declarer now ruffed the ♣9 in dummy (yes, partner had played the ♣Q at trick one from KQJ, apparently to conceal a high card from declarer. It didn't matter on this hand), ran the ♠Q and then went on with a spade to the ♠J to repeat the finesse...... Judging from the majority of your comments, I probably should have worked out to return a heart at the table. But that's why I had 18 masterpoints coming in to this event, and why I still do. This thread let me learn a lot of things about bridge on the front line. Thanks everyone.