we are not doing cfa for the sake of it. are we? I passed L1 and L2 in first attempt. For L3, I was very inadequately prepared as I was kept very busy in office. I was so tired working that entire last week before the exam that I overslept and was late to the exam by 15 mins or so. After the exam, I was hoping and wishing that I fail and I was happy to see Band 6 on the result date. I believe we all want to learn more about investments and evolve from the knowledge we get from CFA program. If I had passed L3 then, I would have known so much less about portfolio management and woud have retained almost nothing from L3 content. Passing by paying few $$ is something I will never do. You may pass by paying and you may earn a charter but remember your charter is not earned out of your skill but money. How good a charter will you be then?