Hi I have successfully completed the first three modules of the DFP, however I am experiencing difficulties with Q3b. When creating the TTR, do I include all investment earnings as well as Karen's salary sacrifice. The reason I ask is that in the example on page 6:11 there is no mention of investment earnings. It would be appreciated if someone could advise me of where I can access more comprehensive information on TTRs. Unfortunately, I am finding that the information provided by Kaplan is scant. Thanks in advance for any help that may be forthcoming.