I got it!!

My class was warned by our substitute teacher a few weeks ago as to how hard our next chapter was going to be and even gave us a preview.

After Class last week where we were taught the lesson by our teacher... I just didn't get it (and honestly, it didn't seem like the rest of the class did either).

Tonight... after days of reading and going over stuff... I GOT IT!! Its still hard, but I finally got the concept... stupid present and future value of bonds >:S <--- yes that is a frustrated face!