Wow, I'd be awfully nervous about ducking one club, much less 2. It seems to me that ducking 1 club is safest, though of course you may go down if the finesse was on and clubs were 6-1 - certainly not impossible. I guess the reason it's right to do so is that we have to minimize our chances of east getting in and leading a heart. Certainly, if it happens, we're no worse off than we were just taking the finesse, but if we're going to expose ourselves to the added risk of a second round club ruff, there have to be compensations. V