EXAMPLES TO RESPONDER'S BIDS:

 1)     ♠ 6               ♥ A 10 8 5         ♦ V 9 5 4 3       ♣ R 6 4

   1♦ (4+♥) TO 1♣; 1♠ (4+♥) TO 1♦; 2NT (4+♥ INV.+) TO 1♥; 1NT (F1R) TO 1♠
   PASS TO 1NT

 2)     ♠ A 8 5           ♥ D 7 6 2          ♦ 4               ♣ A D 9 6 2

   1NT (4+♣ FG) TO 1♣; 1NT (FG RELAY) TO 1♦; 2♣ FG TO 1♥/♠
   2♦ TRANSFER TO ♥ AND 2NT RETRANSFER  4♥ 5+♣ INV.+ TO 1NT OPENING

 3)     ♠ R 9             ♥ D 9 6 2          ♦ 7               ♣ A 9 8 7 4 2

   1♦ (4+♥) TO 1♣; 1♠ (4+♥) TO 1♦; 2NT (4+♥ INV.+) TO 1♥; 1NT (F1R) TO 1♠
   2♦ TRANSFER TO ♥ AND 2NT RETRANSFER  4♥ 5+♣ INV.+ TO 1NT OPENING

 4)     ♠ 10              ♥ A R D 6          ♦ V 10 9          ♣ V 10 9 5 4

   1♦ (4+♥) TO 1♣; 1♠ (4+♥) TO 1♦; 2NT (4+♥ INV.+) TO 1♥; 1NT (F1R) TO 1♠
   2♦ TRANSFER TO ♥ AND 2NT RETRANSFER  4♥ 5+♣ INV.+ TO 1NT OPENING

 5)     ♠ A 8 6 4         ♥ 7                ♦ A 8 7 4         ♣ A 10 7 4

   1♥ (4+♠) TO 1♣; 1♥ (4+♠) TO 1♦; 1♠ (F.NT) TO 1♥; 3NT (UNKNOWN SING. 13-14) TO 1♠
   2♦  TRANSFER TO ♥, 2♠ TRANSFER TO 2NT THEN 3NT 4-1-4-4 FG TO 1NT OPENING

 6)     ♠ R 10 8 7 5      ♥ D 9 8 5 3        ♦ 9               ♣ R 6

   1♥ (4+♠) TO 1♣; 2♥ (5/5 MAJORS 8-11 HCP) TO 1♦; 2NT (4+♥/♠ INV.+) TO 1♥/♠
   2♥  TRANSFER TO ♠ AND 3♦ RETRANSFER TO ♥ 5/5 INV. TO 1 NT OPENING

 7)     ♠ 6 2             ♥ 6 3              ♦ 7 4             ♣ R D 10 8 7 6 2

   2♠ (6+♣) TO 1♣; 2♣ (5+♣) TO 1♦; 1♠ (F NT) TO 1♥;
   1NT TO 1♠; 2♠ TRANSFER TO ♣ TO 1NT OPENING

 8)     ♠ 7               ♥ 9                ♦ R D 10 6 4      ♣ R D 9 8 6 5

   1NT (4+♣ FG) TO 1♣; 2♠ (MINORS 5/5 8-11 HCP) TO 1♦; 2♣ FG TO 1♥/♠
   3♦ (MINORS 5/5 FG) TO 1NT OPENING

 9)     ♠ 8 3 2           ♥ 6 4              ♦ R D 10 7 4 3    ♣ V 8

   2NT (6+♦ TO 1♣; 2♦ TO 1♦; 1♠ (F NT) TO 1♥
   1NT (F1R) TO 1♠; 2NT  TRANSFER TO ♦ TO 1NT OPENING

10)     ♠ R 6 4           ♥ 7 3              ♦ A R V 8 7 3     ♣ R 7

   2♣ (5+♦ FG) TO 1♣; 1NT (FG RELAY) TO 1♦; 2♦ FG TO 1♥/♠
   3NT TO 1 NT OPENING

11)     ♠ A R D 9 7 6     ♥ R 8              ♦ 7 6 5 2         ♣ 8

   2♥ (6+♠ 3-7 OR 12+HCP) TO 1♣; 1♥ (4+♠) TO 1♦; 1NT 5+♠ FG TO 1♥;
   4♠ OR 2♥ TRANSFER TO ♠ THEN 4♠ TO 1 NT OPENING

12)     ♠ 8 5 4           ♥ A D 10 8 7 6     ♦ A 9 8           ♣ 5

   1♦ (4+♥) TO 1♣; 1♠ (4+♥) TO 1♦; 3♠ (4+♥ UNKNOWN SING. 12-14 HCP) TO 1♥; 2♥ FG TO 1♠
   2♦ TRANSFER TO ♥ THEN 3♥ OR 4♥ TO 1 NT OPENING

13)     ♠ R 7 2           ♥ 7                ♦ A V 10 8 3      ♣ D 8 7 5

   3♥ (♥ SING. 5/4 MINORS FG) TO 1♣/♦; 1♠ (F NT) TO 1♥; 1NT (F1R) THEN 3♠ TO 1♠;
   2♣ STAYMAN TO 1 NT OPENING

14)     ♠ 10              ♥ R D 6            ♦ A D 8 6 4       ♣ R D 9 7

   2♣ (5+♦ FG) TO 1♣; 1NT (FG RELAY) TO 1♦; 2♦ FG TO 1♥/♠
   3♠ (5/4 MINORS ♠ SING FG) TO 1 NT OPENING

15)     ♠ R 2             ♥ 8                ♦ R V 10 7 4      ♣ V 8 7 5 3

   1♠ (NO 4 CARD MAJORS) TO 1♣; 2♠ (5/5 MINORS 8-11 HCP) TO 1♦; 1♠ (F NT) TO 1♥;
   1NT (F1R) TO 1♠; 2♠ TRANSFER TO ♣ (PASS IF LIKES  IF NOT 3♦ 5/5 INV.)

16)     ♠ A 7             ♥ D 5              ♦ 8 6 5 2         ♣ 9 7 6 4 3

   1♠ (NO 4 CARD MAJORS) TO 1♣; 2♦ TO 1♦; 1♠ (F NT) TO 1♥; 1NT (F1R) TO 1♠
   PASS TO 1 NT OPENING