dnt be discourage I pass in my 4th attempt I got 50marks despite hvnt complete all 3questions ,I did quest 1 well n quest 2 the 3rd quest just first part.i was very scared thnk I pass.So forget wat u knew n restart from beginning u should know all the core chapter in details thn practice as many past exams quest in the last month u’l sure pass.Dnt believe people pass without study.i understand how u feeling right now but u should knew risk management corp governance n ethics well.Whn answering u shd bear in my mind n relate it to ethics.