In Chapter XII, Simon brings together, and completes, his quartet of fictional bridge players for:  In this, the concluding part of "Why You Lose at Bridge", Simon describes and analyses a rubber played by his four fictional players: Mr Smug, the Unlucky Expert, Mrs Guggenheim, and Futile Willie. The rubber consists of nine deals, all from actual play. Each deal is shown in full; followed by the auction, with Simon's comments; a narrative description of the play; the players' "post mortem", with interjections by Simon; and his calculation of the number of total points chucked away. Every hand exhibits various kinds and degrees of ineptitude; except that in the final one, the Unlucky Expert skilfully executes a dummy reversal and squeeze once played at the table by Jack Marx. The result is a washout: a trivial difference in score, with no winners and no losers. Simon then rapidly demonstrates how an "ordinary, sound, common-sense player" would have won a 9-, 12-, 14- or 20-point rubber. Simon's book "Cut for Partners" is in effect a continuation of the chapter "A Rubber at the Club" in his book "Why You Lose at Bridge". It has an Introduction by Terence Reese. The same four fictional characters play three more rubbers (34 deals). No-one ever wants to cut in at their table. Their bidding and play are both believable and ineffective; except that the Unlucky Expert does exhibit his card-playing skill, including one brilliancy. Two deals later, Futile Willie attempts the same brilliancy, on the wrong hand; and it backfires, badly. As before, each deal and auction is shown in full, with Simon's comments; followed by a narrative description of the play and its aftermath; and finally a brief analysis of the result. "Why You Lose at Bridge" has rarely been out of print. Although it is primarily concerned with rubber bridge, it has been much admired by duplicate bridge players for its relevance to that form of the game also. "Cut for Partners" has been reprinted.