apparently nothing can penetrate thru my thick head..... tried studying at JE library today... tried.... couldn't understand half of what i was reading..... Financial Intermediation is NOT THE SUBJECT to take..... omg... spent 3hrs trying to figure out ONE topic... ONE leh....i've got 15 topics leh!!!! 45hrs?!! *faints* it's either the difficulty of this damn subject, or it's my denseness....... argh argh!!! it's less than a mth to exams!! and im still trying to FIGURE OUT the lecture notes when others are already working thru textbooks and exam questions!!!! panic panic panic panic panic.....