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Opening Lead: Five of hearts
The Bidding: 2C was a game force. 3NT ended the auction although both players thought about going on.
The Opening Lead: Either 4th best lead would allow declarer to make six. Only a spade or the king of clubs lead leaves declarer short of 12 tricks. However, West led his 4th best heart and declarer did not play the nine! If he had there would be no story.
The Play: Declarer won the first 11 tricks and was down to the two-card ending. He held the ten of diamonds and the queen of hearts. West had the two kings, and dummy had the jack of clubs and the nine of hearts. Declarer played the ten of diamonds and called for the nine of hearts from the dummy. Dummy played the nine and East won the trick with her jack of diamonds. West sat there still clutching the two kings. East was on lead and had only the ten of clubs to play. West had an easy decision about which king to play when she saw the ten of clubs lead from partner. The Director was called to the table.
The Director Rules: If this had been party bridge, there would have been no problem. Declarer would have made either 11 or 12 tricks and who cares? But, in duplicate, the extra trick is huge. Law 57 gives the last trick to E/W and it is scored as 3NT, making five!
What Happened? It turned out to be an average for both sides. Everyone was in 3NT and they all made five except one made four and another made six.