This is from the New York Post, which is to say that it is a "problem."
You are declarer (South) in a 3 no trump contract. You get a "friendly" lead in a suit where you have three winners (two in hand, one in dummy). You have A-K in each of two other suits for seven top tricks. You have no issues (transportation or weaknesses) in these three suits, but no chances for extra tricks. So focus only on the fact that you need two tricks from the fourth suit, in which you hold K854.
Dummy holds QT32.
If the suit splits 3-2, there's no problem. If it splits 5-0, you might be out of luck. Your "nightmare" scenario is a 4-1 split with the singleton being either the 7 or the 6.
Apparently, the correct procedure is to lead low to one of your face cards for a finesse.
How do you decide whether to lead from dummy toward your king, or from hand toward the queen?
Which trivializes the second question: should you win in hand or in dummy?