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Well, I DON'T think he should play this hand for flush-strength, ONLY straight strength.

Someone else could have him dominated with two hearts one of which is higher than a lowly 9.

So basically, I'd treat this as a gut-shot call, only hoping to hit a T that isn't a heart, PLUS dodge a heart on the river. There was a bet and a raise and now he's calling 40 for a 75 pot with the original bettor open for a re-raise...all for a gutshot.

IMO, this is a fold. But I don't play nearly high enough for 400NL.

Also, when the A falls on the river, is he sweating KQ at all? I know he's probably committed by this point but KQ in the opponents hand would suck.

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Sweat KQ? Yeh, KQ definitely beats his straight, but could you explain to me how someone might have that hand given the action on previous streets. You can't be serious.