The material is insufficient. Instructors don't have enough time to teach the lessons. which leaves students to figure out most of the work on their own. There also appears to be zero quality control for the instructors and they can do whatever they want and say whatever they want during class. If you use AD Banker, you must also be comfortable with using outside sources to supplement what you learn. There are also things on the exams that AD banker completely did not cover. They also have no way to control if instructors show up to tutoring. When the instructor misses the tutor session, they blame the student. 10/10 would not recommend it. My only reason for giving two stars is because I had one Great tutor. besides that, I can go on for days with the list of mishaps and unprofessional behaviors.