[helene_t]

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According to the DD analysis, 3NT makes on any lead. How?

I went down after taking the losing spade finesse. Almost the entire field (fairly weak) made 9 tricks on the lead of a big club. This surprised me as I would expect S to discard a spade on the last heart and declarer to take the spade finesse anyway. Maybe my opponent S was the only one who found the continuation of a small club, while the other S defenders continued another big club, thereby promoting a club trick in dummy? Or is there a more likely scenario?

[smerriman]

Double dummy, that's pretty cool.

However the play starts, if South throws a diamond on the 4th heart, you can eliminate North's clubs then play Ace and another diamond, either throwing in South or setting up a diamond if North overtakes.

If South throws a club, you can eliminate South's diamonds and set up a club trick.

But non-double-dummy, the opps setting up a club trick for you early seems most likely what happened.