the examiners report is not the marking schedule, right? e.g. Q14 i.) b.) contains a table of the unit fund cashflow which is not neccessary in order to calculate the premium as per the question. but the examiner just put it in there just for a laugh, right? got to say i missed the fact that the decrements were not uniformly distributed i.e. surrenders only taken at the end of each year - as the question stated. I love all those little twists!