The author taught two sections of Principles of Finance in two different years. The courses were identical, except that in the second section, in 2004, students had access to the solutions manual for the answers to the many assigned practice problems which constituted a large proportion of the exam material. The author found that student performance on quizzes and exams was poorer for the class that had access to the solutions manual. (Contains 6 endnotes and 4 tables.)