Amp – You’re partially correct. There’s always something you can do better to pass an actuarial exam. That said, always an element of luck involved. Don’t assume the people complaining haven’t put in the work. I guarantee you there’s no one who’s gonna be passionate about these discussions who’s putting in less than 400+ solid, proactive hours per sitting. When you know you messed up and didn’t put in the work, you’re more likely to stay silent. That’s what I’ve observed but hey, I could be wrong.