Black must lose the exchange, after which the realisation is a simple matter of technique.
29...Bxb2 30.Ne7+ Kg7 31.Nxc8 Qf5 32.Nd6 Qf3+ 33.Kg1 Be5 34.Qc2 h5 35.h4 Qg4 36.Kg2
Repeating moves to save time before the time-control, a typical device that is useful to employ sometimes.
Nor are there any chances from 37...Bxg3 38.fxg3 Qxg3+ 39.Qg2 Qxe3+ 40.Qf2+–.
Unity Chess Club
Borislav Ivkov 2485 Judit Polgar 2630 Monaco 1994 Black to move
The knight and bishop are unstably placed, and understanding this allowed Black to find a long queen move:
White gets some compensation for the piece in the form of control of the open files, an advantage in development, and the fact that Black has not castled. Even so, the compensation is insufficient and Black won.
The continuation 17.d5 Ne5 18.dxe6 Bxe6 19.Nf4 promised approximate equality.
It turns out that after 19.Rxa4, there follows the double attack 19...Qb5 20.Rb4 Qxe2 21.Bxb7 Rad8 – White’s position is worse, because of the weakness of his pawns and the activity of the black pieces. The attack on the f2-pawn will be very unpleasant.