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How to Get Average
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There are a couple of ways to get a average matchpoint scores over a couple of boards.  One is to do the same as everyone else.  Another is to play one hand well and another badly.  Here's an example:

North
A73
KQ10752
102
AQ
South
KQJ102
3
7543
K107

West led a club.  I was happy that the opponents had not cashed their diamonds and played too quickly, running the clubs to throw a diamond, then ruffing a diamond.  Unfortunately, at the end I was left with a winning heart abandoned in dummy and losing diamonds in my hand, down one; not quite a bottom, as someone else also misplayed it and one pair was in 4 down two.  While it is sometimes right to pitch losers right away, I should have counted my winners: five spades, a heart, and three clubs and my losers two diamonds and a heart.  So there is no necessity to discard a diamond; the important thing is to get my heart winner and eventually ruff one diamond.  Best is to play a heart at trick two.  There will always be time later to get a diamond ruff.

I redeemed myself on this one.

North
J753
87
AJ7
J842
South
Q
AKJ1062
KQ8
A109

North led the Ace of spades and safely switched to a diamond.  Again there are nine winners: five hearts (for sure), three diamonds, and a club.  We need one more.  The most obvious thing is to take the heart finesse.  Do you see anything better?

North
J753
87
AJ7
J842
South
Q
AKJ1062
KQ8
A109

Note the club spots.  If we can take two finesses in that suit, we can get another trick any time East holds either the King or Queen.  There are only two entries to the dummy (in diamonds, by playing low to the jack and later overtaking an honor with the ace), so we can't take the club finesses and the trump finesse.  Which is better?

Ignoring hearts being 5-0 (the opponents might have bid or doubled, and it's unlikely anyhow), if we take the trump finesse, we can still take one club finesse, so it looks like we'll make the contract either when trumps come home (50%) or when East has both club honors (26%)--63% in all.  The line of double finessing in clubs seems to work 76% of the time--when East has either club honor, but it's actually better than that: playing hearts from the top will drop the queen 27% of the time, so this line makes 4 on 82% of layouts.

In practice, West had Qxx and the club honors were split, so it was necessary to take the second line to get a tie for top.

(If you're wondering about the 26% and 76% numbers--why aren't they 25% and 75%, it's because once you know that a player does or does not have a specific card, it slightly changes the probability that they hold some other card.)

I have one more comment, which may be above an intermediate level, so feel free to stop here.

I wrote above that starting with the heart finesse makes when East holds either Q or KQ for 63%.  This line also has a small risk of an adverse ruff.  What is another reason you might go down even when East holds both club honors?

North
J753
87
AJ7
J842
South
Q
AKJ1062
KQ8
A109

Suppose you win the opening lead on the board and take a winning heart finesse.  What next?  If you play the AK, you may find that East started with Qxxx and you still have a heart loser.  On the other hand, suppose you cross back to dummy and finesse again in trumps.  Maybe West started with the queen after all and was cleverly holding up.  Now you have no way to get back to dummy to try a club finesse.

Either way, against a skilled defender, you have to give up something.

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