I was reading institutional IPS last night. And have some questions: 1. How does CFAI get to a return requirment of 6% based on desired return of 7.5%. I guess 6% is the minimum return requirement? 2. Can I just use the return objectives from Solution 2 in the example for any pension plan IPS return questions? Or I still need to tailor them to each individual case? This is driving me nuts, cause it seems like CFA/Schwser make sutble changes to every example/question sets. For someone who is not working with these institutions day in and day out, I just want to memorize a simple template that I can use for every case. Any comments? Thanks.