sabaruch

Google CFA Level 3 sample -that will take you to the CFA webiste where papers are provided.Cannot recall link
Re pre-tax nominal rate of return-I missed that-but I overlooked that because tax is an expense.
In the case of a company pre-tax income equal taxablle income less allowable deductions and so it makes sense to talk of pre and post tax income
In the individual case you only get deductions in a limited number of instances -and certainly not for living expenses.
So talking of pre-and after tax income in the individual case ignores that in the individual case tax is simply and expense-leaving it out of the calcutlaion understates required return