| 
    Rule of 12 - Similar to the Rule of 10, the Rule of 12 provides a 
    secondary criteria to consider a penalty double when holding a sufficient 
    number of low-level holdings in opponents' trump suit: 
      
        | 1. | Your combined partnership 
        HCP is 20+ |  
        | 2. | You have a misfit with 
        partner |  
        | 3. | Your trump cards (any) 
        plus opponent's bidding level is 12+ |  
    Example: Assuming partnership holds 20+ HCP and no partnership fit, you do 
    not hold honors in opponents' suit yet have length in their suit, say 4 of 
    their agreed suit. 
    The opponents' 3 level bid promises 9 tricks.  Adding our 4 trumps to 
    the opponents' bidding level, the calculation is: 9 + 4 = 12 
    According to the Rule of 12, a penalty double is warranted since the number 
    12 has been reached. 
      
        | Opponents' Bidding Level | TricksRequired
 | Number of nondescriptTrump required to Double
 (assuming partnership misfit)
 |  
        | 2 | 6 + 2 = 8 | 12 - 8 = 4 |  
        | 3 | 6 + 3 = 9 | 12 - 9 = 3 |  
        | 4 | 6 + 4 = 10 | 12 - 10 = 2 |  
    Also see Environmental Factors |