Biz Finance is not easy!!! not easy coz of the annuity thingy..gosh many formulas to use for different annuity..it's like A Maths but tougher..guess with more practise it'll be fine =) we're glad that we don't have to get a 50% pass for exams to pass Biz Finance...alright we're aiming for higher grades rather than pass!!!three more mods of foreign lecture to go before one wk break again!!! =) Ignition will survive through!! take care and see everyone soon =) Ting is coming back!!!!=)