Here is an illustrative hand my partner played the other day:
NS Game, Dealer East
North AJ
987652
A106
Q4
South K10973
A
9754
J86
BiddingEast South West North1
1
2
2
3
No No 3
All Pass
West leads Ace and another Club. East wins the King and switches to the King of Hearts. You play a Diamond to the Ace and ruff a Heart (all follow). You cash the Jack of Clubs, chucking a Diamond from Dummy. Now a Diamond towards the 10. West wins the Queen and plays a 3rd round of Hearts. You ruff East's Queen.
The position is now as follows
North AJ
987
-
-
South K109
-
97
-
You've won 5 tricks already, Opps 3, so you need 4 of the last 5 tricks to make your contract. Opps probably could have defeated this out of hand by leading trumps early, but they've given you a chance. How do you play?
.
.
.
Only chance for 4 tricks is a cross-ruff. You lead a Diamond and West ruffs in front of you. That surely suggests that West has nothing but trumps left and East started with 1345 shape. You ruff with the Jack of Spades, which holds. What now?
At the table my partner ruffed a Heart with the 10
. West overruffed and returned a Spade to defeat the contract. The truth is, however, that the contract is icy cold: All you need to do is to ruff
HIGH in your hand, ruff your last Diamond with the Ace in Dummy and nothing on earth can now prevent you from making 1 trick with the 109 in your hand, as West started with
Q8542 and is forced to underruff three times as you make all of your trumps separately.
This theme is repeated on many occasions in different guises, sometimes making your last trump "en passant" when RHO has the boss trump left but you're leading a side-suit from Dummy at trick 12, sometimes, as here, ruffing
high to keep the crossruff going and stop a premature lead of the trump suit.
It's a technique and scenario worth keeping an eye open for.