Try covering the EW hands and see how you cope with this hand. South opened a strong 1NT and, after simple Stayman, he found himself in the spade game. West led the nine of diamonds and things looked good when West flew the ace of diamonds on small cards. A heart switch went to the ten, jack and ace and it seemed like a matter of drawing trumps and getting the heart loser away on the third round of diamonds. On the lead of the jack of spades, the roof suddenly seemed to be precariously perched when East discarded a club. However, West ducked the jack and you might consider how to play on.
Clearly, you need some luck to cope with the 5-0 trump split and, if you play another trump the defenders will have two trump tricks by force as well as the AD and a deep club. The first priority is to ruff the third heart, so play the QD and then the KH. Now cash the KD and, when it is fortunate enough to hold, discard dummy’s last heart and ruff the third heart.
Now return to hand with the king of clubs and the ending is in the second diagram. Declarer already has seven tricks and leads a club. If West discards a heart, the ace of clubs wins and declarer is safe.
If West ruffs, he must let declarer score the 10S on the next trick. Then declarer will repeat the dose by leading another club and West either lets the ace of clubs win or gets endplayed in trumps. It’s unusual to lead the JS as at trick three but necessary here so declarer was either very insightful or very lucky.