A Defensive Thought
By Mike Lawrence

By the time the last heart comes at you, you will have to come down to three cards. This is unfortunate because you need to keep one club to stop declarer's jack from scoring and you need to keep three spades. That is one more card than you are allowed to keep. According to your discard, West takes a spade finesse and wins the thirteenth trick with the jack of clubs or the seven of spades.

This is sad, but it is preventable. If South returns a trump, or even a spade, West won't be able to ruff three diamonds in his hand and still be able to squeeze you. Only if you return the automatic diamond (or a club) can West come to twelve tricks.