Courses are too long and too dense. While I understand that they are made that way to guarantee passing, it is also obstructive and deterrent. It took me 6 weeks to study for my P&C. Up to the last chapter, I was still failing. I didn't even pass ADB's comprehensive exams. I passed state the exam at the passing mark. I ended up losing out on income because of how long it took to study. I did not retain the majority of the information I was forced to swat to pass. There was no celebration as I passed. Just relief. Can't believe my company is requiring that I take another one of their courses for another license. I'm dreading it. When people tell me they're taking an AD Banker course, my heart breaks for them. Go study on YouTube or something.