could someone please clarify why the following was used for only for the 1st year and not 2nd year in the calculation for the return requirement 2006: Q1 ‘‘serra expects the annual after tax income on his cash savings to be 100,000 at the end of the year’’ since the savings of 4 million is a part of the portfolio, shouldnt the income be generated for the second year as well?? the answer includes income for the 1st year calculation only. 2005: Q7 ''Yeo maintains a money market fund valued at MYR 1.2 million and earnings 2.5% annually. shouldnt the interest income of 30,000 be used for both years 1 and 2 instead of just year 1 based on the annual nature of the income as specified in the statement? would really appreciate a reponse with a clariification for these questions… thanks