I found Unlucky Louie in the lounge, enmeshed in his end-of-the-month ritual: two out of three falls with a pile of credit card bills.
“My wife has so many credit cards,” Louie growled, “her purse points north.”
Trying to pay off his MasterCard bill, Louie bid a skinny heart game after North’s invitational raise. West led the king of spades, East signaled with the eight (not best) and West continued with the 10. East won and shifted to the 10 of clubs.
Louie played the queen, but when West’s king covered, Louie had to lose a diamond and a club. Down one.
Louie should have taken the cash. He can place West with the king of clubs; East wouldn’t signal high in spades at Trick One if he had the king of clubs. Louie should play low on East’s club shift and take the ace.
Louie then can draw trumps, ruff his last spade in dummy, cash the A-K of diamonds and exit with a club.
For once, his luck is in: West must win and concede a ruff-sluff and the contract.