The lead is a high spade. After a reasonable amount of thought, you win in dummy and play the ♥K. At this point RHO goes into the tank for a substantial interval, and finally plays low. Everyone follows and the ♥K holds the trick. Next is to cash all the diamonds; RHO shows out on the second round and discards three clubs and a spade. LHO discards a club on the fifth diamond. Now two rounds of spades (all following), and the club ace. The position is now:
Opponents have six cards left between them, of which four are hearts and two are clubs. When you advance the club nine, LHO plays the ten. Now is the moment of truth: do you play the club king hoping for the queen to fall, or take the finesse? Why?
If it matters, RHO is a fairly good player but has some serious tempo issues. She had some time to plan at trick one and her break in tempo at trick two was substantial; her subsequent discards were in normal tempo as were LHO's. The auction revealed that south started with five hearts, has enough for slam opposite a balanced 22, and probably has balanced or semi-balanced shape (didn't try too hard for a suit slam).

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