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Here's another idea:
What's the worst that can happen if you accept and are *not* able to cope?
You *lose* a year? Trust me, there are worse things in life than trying for something, even if in the end you don't make it. If that's the case, you'll be surprised at the things you *do* end up remembering and using in your life later on.
I say if you are backed financially, go for it!
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Moderation should be moderately moderated.
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