 
		
        The issue of whether or not to ruff high (to prevent an overruff) is one of risk assessment. Which is more likely, an overruff (by ruffing too low); or creating an unnecessary trump trick for the defence (by ruffing too high)?
		In the exercise below, spades are trumps. West leads out ♥ AKQ, having bid the suit. You have one more heart in hand; dummy has none. Which dummy trump would you tend* to use in each scenario?
		 
| Dummy (a) ♠ QJ5 (b) ♠ Q105 (c) ♠ Q85 | ||
| West leads out ♥ A, K, Q | East follows twice in hearts has he a third? | |
| Declarer ♠ AK432 | 
| West Deals None Vul | 
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| West | North | East | South | 
| 1 ♥ | Dbl1 | Pass | 4 ♠2 | 
| Pass | Pass | Pass | 
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	What happened
	West led out ♥ AK against 4 ♠, then followed with ♥ Q. Declarer had not really noticed East’s hearts (actually ♥ 7 then ♥ 6 to indicate the possibility of an overruff), and ruffed with dummy’s ♠ 5. It was clearly wrong to ruff with ♠ Q, dooming himself to a certain trump loser (plus ♦ A). However ruffing, as declarer did, with ♠ 5, saw East overruff with ♠ 6. ♦ A defeated the game - down one.
	What should have happened
	Ruff ♥ Q with ♠ 8 (a play that cannot possibly cost), and a minor miracle occurs: East cannot overruff. Now draw trumps, and merely concede ♦ A. 10 tricks and game made.
	If you remember one thing...
	Even if you cannot afford to ruff high, ruff as high as you can afford.