PENALTY CARDS    LAW 48
Law 48 A	Declarer / Dummy cannot have a penalty card.
	Declarer is not required to play any card dropped accidentally.
Law 48 B 1	If declarer faces one or more cards after an opening lead out of turn
	LAW 54 he becomes dummy.
Law 48 B 2	If declarer faces his cards at any time other than after an opening lead out of turn,
	he may be deemed to have made a claim or concession of tricks and LAW 68
	then applies.
	DISPOSITION OF A MAJOR PENALTY CARD
LAW 50 A	A penalty card must be face up and before the player to whom it belongs.
LAW 50 B	A single card of 9 or below exposed inadvertantly becomes a minor penalty card.
	A single card of 10 or above exposed inadvertantly becomes a major penalty card.
	Any card exposed deliberately becomes a major penalty card.
	If a defender has 2 or more penalty cards, all such cards are major penalty cards.
LAW 50 D 1	A major penalty card must be played at the first legal opportunity.If a defender
	has 2 or more which can be legally played declarer can designate which is to
	be played.
LAW 50 D 2 (a)	When a defender has the lead while his partner has a major penalty card declarer may
	choose
	a) request that suit to be led, in which case the penalty card is picked up and any legal
	card may be played.
	b)  forbid that suit to be led for as long as he retains the lead, in which case the penalty
	card is picked up and any legal card may be played.
LAW 50 D 2 (b)	c)  neither request or forbid a lead, in which case the defender may lead any card; the
	penalty card remains a penalty card and therefore each time offenders partner is on lead
	declarer may again have a choice of options a), b) or c).
	DISPOSITION OF A MINOR PENALTY CARD
LAW 50 C	A minor penalty card must be played before any other card of the same suit below an
	honour excepting  a) he may play an honour card instead or
	b) he may play any legal card of another suit.
	If either a) or b) the penalty card remains a minor penalty card
LAW 51	TWO OR MORE PENALTY CARDS
LAW 51 A	If a defender has two or more penalty cards that can legally be played,declarer designates
	which is to be played at that turn.
LAW 51 B 1	a) If a defender has 2 or more penalty cards in one suit,and declarer requires defenders
	partner to lead that suit,the cards of that suit are no longer penalty cards and are
	picked up;the defender may make any legal play to the trick.
	b) If declarer forbids the lead of that suit,the defender picks up every penalty card in
	that suit and may make any legal play to the trick.
LAW 51 B 2	a) When a  defender has penalty cards in mote than one suit declarer may require the
	defenders partner to lead any suit in which the defender has a penalty card.
	LAW 51 B 1 applies
	b) When a defender has penalty cards in more than one suit,declarer may prohibit the
	defenders partner from leading one or more of such suits;but the defender picks up every
	penalty card in every suit prohibited by declarer and may make any legal play to the trick.
LAW 52	FAILURE TO LEAD OR PLAY A PENALTY CARD.
LAW 52 A	If a defender fails to lead or play a penalty card in accordance with LAW 50,he may not,
	on his own initiative,withdraw any other card he has played.
LAW 52 B 1	a) Declarer may accept lead or play.
	b)Declarer must accept if he has played from his own hand or dummy.
	c) If accepted under a) or b) then the penalty card remains.
LAW 52 B 2	If declarer does not accept then the penalty card must be substituted and the card
	withdrawn becomes a major penalty card.