At move 24..Qe7 against WFM Richmond I thought I managed to make it out of the middle game ok and a whole 35 minutes up on my opponent who had only 10 minutes to make the 40 move time control (Rybka 2 even evaluates Black has a small advantage) even though the h8 rook will be tricky to activate.

After she played d5 I then proceeded to flap for 30 minutes thinking about the consequences of ignoring it and giving her a past pawn and thus debating what would be best. Whether to A. Exchange queens, B. exchange pawns, C. play a check try and keep things complicated and eat up the last of her time - I went for C..

This somewhat backfired as I left myself with less time than her, having to make 13 moves in 5 minutes (which I did not make) in a very open game with lots of tactics which ended in disaster – where did I go wrong?