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Thanks all of you...really valuable information. You all may be right.
It makes sense to me when i read it, but then when I tackle a problem, i sometimes need to peak at the concept in the book. That surely means something in the comprehension part of the process is missing. Maybe I dont take it seriously and dont focus because juts by reading it I understand it?!
Spanisheck, an example of a formula is simply the value of a future...Or the two stage model....dont laugh at me if this seems too easy for you :-)

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