Alhamdulillah I got 90 marks from 100 in Financial mathematics subject. Do you know? Mathematics is very easy and interesting, people call it very difficult but it is not as difficult as they think it is very easy but condition is that you study it with interest and work hard on it.
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Mathematics is all about understanding and practice together with the willingness to learn. Once all these are set in place it is fun.
Yes you are right Without practice you can't understand mathematics. You must have heard this quote that " Practice makes perfect".