Now could anyone help me a bit? Basically I have problems with question 1d and 1e 1d, the comment says "explain licensing responsibilities, I don't know what it means exactly, the responsibilities of the adviser or of the license holder? I mentioned neither, since the question only asks to explain the relationship btw the two parties, which I did. I am so confused 1e. the question is about complaint resolution available to the client. I understand and explained in my article the internal and external procedures but the comment asks for "time-frame for each step". What is that and How do I respond to it please? Also, I am rated incompetent on Q4b simply because I didn't provide a front cover attached to the SOA??!! And, I provided the client's risk profile in the SOA but apparently this is not sufficient as I am asked to attach the very same risk profile to the Fact Finder given to the client?! So basically I am wondering with regard to the last two questions I raised: is that all I need to do is to print a front cover and attach the risk profile the the fact finder? Is it really this simple or am I missing something important? Thanks guys!