Thanks @Liam for the Heads up. I now understand some stuff. Now for me is a a different situation. Did my undergraduate studies at University of Zimbabwe. I did a CQF level 1(July 2016-September 2016) , and currently trying to raise the remaining bucks to finish the CQF (Have been out of work for th...

@alexandergir, can you please email me the paper original paper that was on SSRN on klhzim78atgmail.com