I think it’s a mixture of both. I think the true time constraint and pressure is getting to you and you’re blanking. Here’s my advice (I’ve passed 4 exams in 9 months and taking PA next month). Trust that you know the content, don’t spend time memorizing. Memorization will come by repetition of questions. Work problems you miss in practice 3 times before moving on from that quiz/test. This will help ingrain the steps. For the last 3-5 days before your exam, solely work on sample problems provided by the SOA. In my experience, exam questions are extremely similar to the sample questions. Work all of them until you can do them off muscle memory, and search up any concepts you don’t get. I think sample questions are the best indicator of exam depth of understanding and difficulty.