Last paper

huhu~ last paper will be hold on tomorrow morning. is very very hard subject. Credit management. dun like to own people money then still me to learn this subject!! hmm..... relationship management approach, credit scoring, altman z score, loan pricing.. quite tough nei!! some more all this theory not necessary can be used in future. then actually wat is the purpose to take this subject? swt~~~ no mood to study arh!! @@@@@@@@......... tai gong,tai ma,zo zo,zong gong, zo ma. bless me kay.hehe..