(A's hand is given above.)

Y's Hand.B's Hand.Z's Hand.
8, 7, 4, 3, 2♠10♠Ace, Qn, 9, 6♠
Kg, 10, 9, 4♥7, 6, 3♥Ace, Knv, 5♥
Knv, 7, 6♣Ace, Kg, 2♣9, 8, 4♣
8♦A, Kg, Knv, 4, 3, 2♦10, 9, 6♦

It may be observed that Z loses the game by bad play at Trick 7. The fall of the cards in Tricks 5 and 6 shows that A has the queen of hearts, and Y the king. Z should therefore, at Trick 7, lead the ace of spades to make the fourth trick, and then the heart, making the fifth trick and saving the game.

At Trick 8, if Y leads a spade and Z does not finesse, the game may be saved. To finesse at that point would be very bad play, as the ace of spades makes the fifth trick. But Y's play at Trick 8, though unfortunate, is not wrong; for Y cannot tell that Z has the ace of spades; indeed, the presumption is that he has not, or he would have led it. Y properly plays to force the long trump, and to make his partner fourth player.

HAND XXI.

An ill-judged call for trumps, and a well-judged third round, notwithstanding the adverse strength.

B's Hand.