Rat Defense Harmonist Intermediate Puzzle (Rated 1017): Win Material — Tactical Refutation

This opening puzzle shows a classic tactical refutation in the Rat Defense, where active piece play outweighs short-term material concerns. White’s bishop is aggressively placed and creates pressure, but the position also contains a loose tactical target and a pin-based motif that can be exploited. The key lesson is that in the opening, king safety and piece coordination can justify forcing exchanges that leave one side with a clear material edge.