As I finish my contract as P4 examiner may I wish you all the best of luck with my final paper. I am pleased to read your comments but please do not take it as rudeness but I cannot reply specifically to points raised by tutors and students. However, at this stage, I hope the test of P4 will have opened your minds to what finance is really about and that the paper will launch you into a new understanding of the subject.
Talking to a pilot friend of mine he explained the thrill of getting an Airbus 380 into the air. It starts slowly but then he opens the throttle on its four Rolls Royce Olympus engines. Within a few hundred feet it is accelerating to 80 mph. At that point all the design, effort and technology kicks in. The pilot chooses the moment and pulls back on the column. That is the moment of rotation, at that point there is no going back. The sky is the limit. So may it be for you.