The Full Deal
If you defend as suggested, you restrict declarer to only one heart ruff in dummy, and declarer is down one. Plus 50 scores 72%; otherwise, minus 140 scores 24%.
Bonus from Val: The defense is easier if partner puts in the Jack of diamonds at trick three; now it’s easier for partner to continue two rounds of trumps, than for you to find the trump shift from your side of the table. Deal D20.
To explore alternative lines of play and defense, use this link: https://tinyurl.com/mwsz8jx9