|Bridgeburner: I believe Rubinstein missed a golden opportunity to counter attack via the Black squares on the Queen side at move 20 and so ends up drifting into a poor position. Instead of 20.Nc3, he could have tried 20.Qd2! This move protects e3, and threatens 21.Ba3 (and eventually Bd6).|
20.Qd2 Qe7 (preventing Ba3) 21.Qa5 h4 22.h3 b6 23.Qa6 Nh6 24.Ba3 Qd8 25.Bd6.
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This powerful black square incursion stops Black's attack in its tracks and takes the initiative.
This passivity seems to be a fairly typical weakness of the early Rubinstein before he hit his straps a few years later.
Nevertheless, Rubinstein defends well by building up a fortress which his opponent breaches by returning the exchange on move 53.
Instead of taking the initiative and equalising with 55.Rxc6, Rubinstein stays on the defensive because of a morbid fear of Black's Rook eating the rear of his pawn chain.
55.Rxc6 Bd7 56.Rb6 Rxe3 57.d5 Re1+ 58.Kd2 Rh1 59.Rb8+ Kf7 60.dxe6+ Bxe6 61.Rb7+ Kg8 62.Nxe6 Rxh2+ 63.Ke3 Rg2 64.Kf4 draws