01: PASS (12 HCP, but only 2 clubs, so can't double) 02: 2D 03: 1NT (with 18 HCP, slightly too strong (1NT overcall should be 15-17), but should demote a point or two for the KQ of clubs) 04: X (although you shouldn't count a point for the J of hearts, you actually have *4* cards in all the unbid suits, which is a bonus) 05: 2C 06: PASS (the singleton K of hearts is probably worthless here) 07: 2C 08: PASS 09: PASS 10: 1S (if the 5-card suit was a minor suit, a double might be preferable) 11: PASS 12: PASS (don't forget that a double would be interpreted as take-out) 13: 1S 14: 1S 15: 2D 16: PASS 17: PASS 18: PASS (maybe you could bid 2C, but the suit is kind of week for an overcall) 19: PASS 20: 4D (preemptive; although arguably the hand is too strong for that here, so could also just bid 2D)