optimal play: 10...Be6 compare 10...d5 Geller vs Razuvaev, 1995<pointguard: 13...Rc8. In my opinion, slightly better is 13...exf4. I think it was necessary for black at this time to break up the pawn duo, then seek counterplay on the c-file.> Or maybe even 13...Ng4 14.Bxg4 Bxg4 15.Re1 exf4 16.Rxf4 h5
Also 14...Bxb3 is better than 14...Bc4
<pointguard: Move 16. I wonder if Polgar had considered...Na2, the sacrifice of the knight to gain better central position.> If 16...Na2? 17.Nxa2 then what? 17...Qc7 18.Nb4 Rxe4 19.Bg5 
17...b5? 18.Nd2! wins
Maybe 17...Ng4 could have kept her in the game since if 18.Qxc4? then 18...Nxe3
<But, after the loss of the knight-rook exchange, the rest of this game needs no explanation.> Except to say that Judit played quite well for a 10 year old girl against a grown man rated 2370 and Hay certainly played well in a game which he may have felt added pressure.
This game played on 10th January 1987 is from the 11th and final round of the Adsteam-Lidums International Chess Tournament held in Adelaide, South Australia.
Hay finished equal 4th on 8½ points out of 11 [+08/=01/-02]
Unfortunately only five of Judit's games are extant from this tournament, of which she recorded two wins.
Her older sisters also did well, with Zsuzsa finishing on 8/11 [+07/=02/-02] and Zsofia also winning at least three games.
And just for the record, their Hungarian compatriot, Gyula Sax was the clear winner on 10/11 [+10/=00/-01]