I actually don't see any SIM in any banking FO or MO so far. BO got a few and branch ops / sales got more - thats about it.

Is it even possible for someone to pay school fees and attend exams to fail SIM in the first place??? No offence, but I see some of my friends (def not the exam smart kind) doing part time study in SIM like no need to study, continue to work & play as normal and yet can graduate in the end.