Hello Everyone! I am facing immense trouble in understanding risk models. I have been through the chapters 19 and 20 quite a few times, yet I'm unable to attempt the practice questions. ( I clearly state the "given" from the question, but after that I have no idea as to how to solve the problem, nothing strikes me!) I understand risk models is very integral and that adds to my worry. Can anyone please give me suggestions on how to deal with it?