Really, i do not know the reason the “time” problem becouse of me or something else, as usual i could not answered all questions approx.70 points i answered , the question 3 was easy explained in kaplan book but i got stucked & left it all to the end. but unfortuenly i had not enough time to ger back. i hope to pass for only 50 mark ISA, as i will not be able to study it again for third time ……… last time i failed at 47 🙁 Please do not do this again…………………………