OK.  But the other day I had 21 points and bid two-no.  Partner had ZERO points with 5 hearts, bid two diamonds.  I had 2 hearts, both little; I could have made three-no just with my own hand.  But when I answered 3 hearts (forced, I'll admit, by the whole table saying "You HAVE to accept the transfer" when I tried 3 no-trump) I went down in flames.  Is there EVER an exception??