~To Take or To Duck?

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North (D)
S 976
H A85
D AQJ84
C AQ

West
S KT2
H 743
D 765
C 8643

South
S A84
H T62
D T93
C KJT7

East
S QJ53
H KQJ9
D K2
C 952
Bidding Commentary: The bidding is a standard 1NT-2NT, 3NT.
Defensive Commentary: East makes a standard lead of the spade 3.
Playing Commentary: The first question is should North take or duck the trick? North should take the trick because it prevents a switch to hearts. A heart switch sets the contract if the diamond finesse fails. North knows the contract is secure even if the diamond finesse fails IF East started with only four spades (the lead of the three could be fourth high from QJ532).

When the diamond finesse fails and East can take only three spades, the contract makes.

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