This government funded program will likely face major changes in order to be able to fully pay out money to people who are retiring several decades from now

It depends on the subject for me. some exams are easier than others so i usually go through it and answer questions i know based on my general knowledge, then double check after. going through the lesson can a lot  because the exams can be  very lesson-specific, but sometimes they are ridiculously long so a lot of people don't take the time. i did find that, when i went through the lessons, i was making 100's on my exams vs strictly using + the internet and  i make 90's. 

Parents and friends
to have trust
to be comfortable with that person