I personally had no problems passing this course. However, I was with a team of bankers in licensing who could not say the same, and I completely see why. I will summarize my review at the end as well. I understand that it is hard to encompass the entire material in the text. However, I kept finding that AD Banker was too vague when it needed to get specific, and yet somehow too detailed when it didn't need to be. I also understand that as we go along with each test, the "unanswered" questions would eventually be answered. For example, the jump from the SIE to the 6 helped make things such as mutual funds and variable annuities make a lot more sense. However, there needed to be an explanation there that these questions would be answered later on, so as to not confuse us or make us feel as though we're missing information. The wording on the FINRA tests was also completely different. there should've been more of an emphasis on helping us understand that the tests may look completely different. If some of these bankers were given a bit more confidence going into their exams, I believe they would understand that it is their ABILITY TO RECONSTRUCT THE QUESTIONS to WHAT THEY LEARNED FROM AD BANKER (use context clues, understand general themes, etc.) that would help them pass. In other words, less memorization, more interesting (challenging, but not difficult) questions. I would like to note that limiting us to an "Average" performance, penalizing us for taking more than 5 chapter exams is ludicrous. The staff at the AD banker virtual lessons were also useless. They wouldn't even answer any questions and the way that is done needs to be rethought. I didn't even bother going to them after the first two. Finally, I would give the bankers more time. Two chapters a day was ridiculous; part of why I was so ahead of the other bankers in licensing pertained to the fact that I only did one chapter a day. To summarize, there needed to be more of a system in place to give bankers the confidence they needed to walk in to that FINRA exam. This could've been done better by offering different wording and more challenging questions, most specifically in the case of the SIE. Bankers need more time to fully grasp the material. The virtuals are utterly useless, the staff were not engaging and REFUSED to answer questions. Did we have everything we needed to pass? Yes. However, this constitutes no more than a 2/5. I give AD Banker a failing grade, as I have seen it fail my peers around me.