Valerie HY Chua taught me in Singapore and my F and C and Ds suddenly became As and Bs. Tough modules like Business Law and Financial Accounting became As and Bs. I scored the top marks for Business Law because of her intervention! I got pocket money for textbooks, I used it for tuition. It is always better to learn from specialist experts than to try to learn by yourself. Learning by yourself is a perilous path, you can easily misunderstand, not be able to prioritise and you will not have anyone to clarify with. I am not a very smart person, so Valerie had to dumb it all down and even speak with Kindergarten level because ███