Intended audience: Intermediate and up

Warning:This can cause nightmares for weeks, especially if holding this hand. Please view at your own risk.

Neither vul, matchpoints, as south you hold: ♠A42 ♥KQJ109 ♦87642 ♣-

West     North    East     South

  -        -      2NT       P

3♦      3♠     3NT       P

4♦       P      4♥        ?

2NT = 20-21

3♦ = Transfer to hearts

What do you bid?