Just my 2 nickels of thoughts.......... As Mr. Lee has said,the whole chart is needed to find out if the situation could be bad.If water is strong,then it may well be that the "punishment" is not that significant. Bazi's "structural" limitations are such that highly specific events unique to the individual cannot be predicted,only the general"bad"or"good".For instance,if financial loss is hinted at at a certain point in time,it isimpossible to zero in on if it is due to some credit crisis in the country or an unexpectedbreak-in.Too many unkownfactors are at play.Certainly, 2 persons having identical bazi charts will nothave exactlythe same minoreventsof day-to-day livinghappening to them.Compared to "Tie Ban Shen Shu",now lost,bazi cannot revealhighly specific details, such as "what is the colour of the car that has knocked a person down?" My belief(a very personal one,of course)is that"Tie Ban", as shown by Shao Zi in some present-day remnants of his works,could be that unerringlyspot-on in all kinds of predictionsis that it contains more than 4 pillars,possibly more than 10.His ancient text,the original"Huang Ji Shi Yun", is no longer extant,as Providence had decreed that it should not be revealedto earthings,for if this "Tower of Babel"is allowed to be built,all the heavenly secrets will become known to Man.Hence,distortions and errors gradually crept into that text,and now you have a useless text that still manages to fool so many people,including Mr.Edward Lijuming of lijuming.com.Even Mr. Shao Weihua of China,touted to be a descendant of Shao Zi,does not know the original text,or he would have predicted the Sichuan earthquake,since,nothing,great global events or personal trifles of daily life,cannot be predicted by it. What bazi can reveal are general trends in one's life,not specifics,because there are other unkownpillars above the year pillar,and other unkownpillars further down the time pillar.