He who seeketh, findeth

August 22, 2009

Passed AUD

Filed under: AUD,CPA,Goals,REG — Steve (Chessiq) @ 2:00 pm

Praise be to God in the highest and peace to His people! I found out about 20 minutes ago that I have passed the CPA exam’s Auditing & Attestation section! Barely passed; 77.

Chessiq's CPA exam AUD results

Thanks to all the people who helped me in all sorts of ways. Thanks for the faith and encouragement. Thanks for the prayers. Thanks for reading the blog. Thanks for the comments. I am at the library studying REG which I am taking next Tuesday, so I have to get back to studying so that I can be 4 in 4! That would be exciting! I have to believe!

It is a wonderful life!


July 22, 2009

CPA exam prep – REG – day overview#02

Filed under: AUD,CPA,REG — Steve (Chessiq) @ 10:01 pm

34 days to go - www.math.niu.edu6:30am – 8:20am Woke up. Stretching, sit-ups, etc 30 reps. Shower. Iron/press work clothes. Breakfast. 1 load of laundry. Prayed. Read mission statement, goals, dreams, etc. Packed lunch. Drove to work. Started work at 8:20am.

1:15pm – 2pm – studied while having lunch. Finished REG study notes 1 at cpacfa. I just wanted something light, without too much detail and different from the AICPA ethics that I was studying yesterday. Individual Taxation was not bad. I think I will spend my lunches reading the notes at cpacfa. If I keep at it, then I may be able to go over those notes 5 times before the exam. I can then do my “normal” studying – book, audio CDs, DVD, and MCQs when I am not thinking about getting back to work. 

6:pm – 10pm – Off work. Talked to co-workers for a bit (20 minutes or so – about pets!). Cooked dinner. Facebook. Read a bunch of blogs. Commented on one or two blogs. Cleaned up items used to cook dinner. Now I am updating this. I thought it was important to update my “REG prep journal” even though I didn’t accomplish much. It will give me motivation to do better next time. I will try to finish before 10pm so that I can put in an hour of studying before going to bed.

10pm – ???pm REG MCQs (I will update in tomorrow’s post).

I was thinking about AUD the other time and I found out that I could have answered part of the question I pretty much left unanswered if I had done a “horizontal window split” instead of vertical! I tried the vertical and things didn’t fit well, so I was flipping between two tabs… one with the data, the other with the question… UUURRRGGH! Anyway, now I know!

Good night!

It is a wonderful life!

July 20, 2009

CPA exams – AUD (Auditing and Attestation) – rough!

Filed under: AUD,CPA,REG — Steve (Chessiq) @ 10:08 pm

I took the Auditing and Attestation exam today, and it was rough. I do not remember the last time I sat for an exam and almost every question was hard. Part of it was because the exam itself was really tough, another reason is that I didn’t prepare as well as I should have. I didn’t open the Wiley book except for less than 10 pages. I relied on the going over the DVDs and lots of multiple choice questions (MCQs). This past Saturday, 7/18/09, I finished going over the last batch of the multiple choice questions. I looked to see how many MCQs were on the Wiley CD, I was disappointed to see that there were only about 900 questions. I looked at the 2007 Gleim testprep database to see how many questions there were, over 1600! So, the 2007 Gleim CD had more AUD MCQs than the 2009 Wiley CD? I told myself not to worry. I decided to take a bunch of 30 MCQ tests on the 2007 Gleim Testprep to see how I would do. I was averaging 70%. I almost said, “not bad” as I used to, but this was different. I used to get about 70% on the Gleim on my first pass through… this time around, I was getting that on my 2nd pass through. Not good. Auditing and Attestation is totally different from FAR or BEC. Obviously, you expect the content to be different, but the approaches, and thinking demands and question methodology is totally different. It is hard to explain. I told myself that people have passed with Wiley testprep software before, so I should not despair… but I had my doubts. Anyway, I went to work yesterday afternoon and I was there til 1 a.m. I reviewed all my hand-written notes, printed out a bunch of things to review today, etc. I studied a little bit, about 2 hours in the car, before going into the exam.

The first testlet was pretty tough, but not much different from the other “tough” testlets in BEC or FAR. The questions were very tricky. It seemed like each time, I had to choose from two options – I guess that’s the essence of MCQs! But if you know your stuff, you are able to quickly choose between the two. I spent 48 minutes on the first testlet. Submitted it. The second one was worse than the first. I have read that if you do really well on the first, you get a really bad/tough second testlet. Well, I got a really bad one even though I didn’t think I did great on the first one. This one slaughtered me. Seriously. I spent about 52 minutes on it, I think. I checked at one point, and I had may be 8 questions marked for review. I think it was during this testlet that I resorted to my old way of testing, which is to skip whatever appears long and tough and get back to it after I have gone through all the questions in the testlet answered the “easier” questions first. Well, I didn’t quite stick to that plan because there were some questions that were kind long or tough, but I thought I could figure out if I spent a few more seconds on them. Anyway, I turned those in, and then came a third testlet, which was more tricky than tough. If the theories that say that if you do well or flop then you get a tougher or easier (respectively) testlet are true, then that was sort of proof that I really messed up on the second one. I had almost 3 hours to answer the next 3 testlets. Anyway, I went through the third testlet sort of quickly. By the way, I spent about 5 minutes reviewing each testlet before turning it in. I wondered why I was doing it because I don’t change my answers; well, until today! I changed two answers on the third testlet, and lucky enough, I found out that those were the correct calls when I was doing the simulations and I happened to see sections that addressed the same in the research tab. No wonder they don’t let you have access to all the questions at the same time! Well, I guess people would waste time researching and not finish;-)

Anyway, simulation time… I was bombed and tired by this time. I had 2 hours and I figured that was plenty of time for the 2 simuls.

Of course, as always, I scanned all the tabs to see what was asked. I started with either the research tab or the written section. Those were okay. The other questions were just a mess, but I completed them all within my alloted time, 1 hour. Then came the 5th simulation… Oh, my God! Talk about my second testlet being horrible… this was the worst possible simulation one could get. 6 question tabs, about 10 questions on each of the first 4 tabs… The questions were not clear (to me). Anyway, thanks AICPA! I was only able to complete 5 of the tabs with a bunch of guesses. I think the tab that I did not complete had the most points, just by remembering how long it took me to figure out what needed to be done on that question, and how to answer even one question. Anyway, I ran out of time, and I was sure I had failed AUD. I don’t even have an idea how bad I did. All I can say, I did really bad. We will know in the next 2 1/2 months.

Lessons learnt and resolutions:

I will not use Wiley 14.0 MCQs again. Even if I pass, I will maintain that I could have faired much better if I had stuck with the Gleim CDs. So, I saved about $55 by not paying for the Gleim testprep for AUD, and it may cost me about $300 to retake, $$$$ of heartache, $$$$ of lost raises at work! Not the greatest decision! I surely could have done better with my studying. I should have read the book. I should have finished my review weeks ago. I should have practiced more MCQs, and I should have bought the Gleim software.

I am going to start preparing for REG (Regulation) tomorrow. I going to buy the Gleim testprep for that section. I will use that in tandem with the book and the DVDs.  For the first time in a long time, I will study something everyday.

AICPA, CPA Exam REG, here I come!

It is a wonderful life.

July 4, 2009

AUD – Internal Controls, done

Filed under: AUD,CPA,Goals — Steve (Chessiq) @ 6:42 pm

Happy July 4th! I just finished going over the Wiley multiple choice questions on Internal Controls; 178 of them! I had started some time back, and as of last night, I was at question 50 or somewhere there. I went to a chess tournament last night; I joined in the second round at around 8pm. I think we finished a little after midnight. I came home and I started working on the MCQs and I crashed along the way. The next time I woke up, the computer was on, the lights were on, I was in full gear… so I just changed and turned off the lights and the computer. Woke up this morning, read a couple of financial blogs, and ate breakfast around 11am. I have been “studying” from 11:30am til 6pm – with a few breaks to get a snack, join CPAnet’s Facebook club, register at SCRIBD so that I could download some AUD notes, and read news about soldiers who have been killed, etc.

I got 126 question correct out of the 178, so that’s 70.79%, which, as I used to say for BEC, it was “not bad for a first pass through”! I think my score for the Engagement Planning was about the same if not a point higher, so if BEC experience is anything to go by, I am doing okay. The only slight problem is that I intend to get 95 (95%) on the actual CPA exam. So, my plan is to finish the first pass through in good time so that I can go over the stuff one more time. I think that once I am done with the Wiley CD 14.0 MCQs, I will read the book, read my notes, read the notes I downloaded from the CPAnet forum, and then take a bunch of MCQ tests with the Gleim TestPrep CD which I will buy in the next two weeks, the weekend of the exam. In short, I would like to overprepare, if there is such a thing, and see if I can get a 95 or better on the actual exam.

Why 95? It is just a score that I wrote down a few days before the BEC exam. It was a little late for FAR because I had already taken the exam and I was scared I could even fail, but I had written down 85 for FAR, and I got 84. I had written down 90 for BEC and I got 87. Those two do not count as far as I am concerned because I wrote down my goals after the exam or a little before the exam. So, AUD and REG, here I come! Help me God!

I am going to start working on Evidence tonight. I am not sure if I will do much tomorrow because I have to do some work that is due Monday. We just finished a normal Audit last week, and here comes the Bank Audit! I feel that just going through a recent audit has helped me relate some of the things that I am studying to the things that the Auditors were asking for, as I was pretty involved in the process. I look forward to the day when I will send things to my accountant to pull, research, or reconcile!

Anyway, another 3 months at most, and hopefully, I will be done! You have to tell yourself that you can do it. You cannot lose hope. You cannot allow yourself to be negative. Look who is talking! I have to read my mission statement, eat, exercise, shower, watch fireworks, pray, study, and then sleep. By the way, Evidence has 241 questions! Yes!!!

It is a wonderful life.

June 27, 2009

CPA exam myths, questions, and my experiences

Filed under: AUD,BEC,CPA,FAR,REG — Steve (Chessiq) @ 11:42 pm

I have taken two exams so far, Financial Accounting and Reporting (FAR) and Business Economics and Concepts (BEC) and I have been blessed to have passed both of them. I had a lot of questions before taking the exams, and also after taking the exams (while waiting for the results to come out). Here are some of the questions that I had and the answers I have got from experience.

(Disclaimer: As everything else on this blog, whatever is on this site is for my personal use. It is my personal thoughts and reflections, experiences, wishes, etc – it is not advice for the way you should live your life, conduct your business, or approach life. For advice, help, whatever, consult an appropriate professional.)

Short answer, as much as possible, more than you have ever studied before. Study, in my experience, includes studying the review book, going over multiple choice questions, listening to audio CDs, and watching DVDs. Some of these may not be available to you depending on the review course that you have. You need to use the most current study materials. You need to start studying early. Finish your first “pass-through” a couple of weeks early. Do all the multiple choice questions, hopefully, go over them at least twice. Make sure you are getting the passing score plus a nice safety margin. All this will be in the introduction to the review material. It is a good idea to study the introduction to the book which tells you how to approach the exam, etc. People are different, but I found it best to study continuously, well-spaced out, and then do intensive (almost cram-like) study a week or so before the exam. Even though I was not using Becker, I found this to be helpful. Everything else that is coming after this will not matter much to you if you have studied as much, as smart, as hard, as you could have. You will not have to worry about whether the exam is curved or not; whether you should be worried or not if your results do not come in the first wave; whether if you don’t finish a small part of some simulation, you will still pass or not; whether you failed or passed just because one of the testlets was tougher and then the next one was really easy; whether you passed or failed depending on how fast or slow you completed the whole exam or parts of it. If you have studied well and you have done well on the exam, everything else matters less. Okay, since the most important aspect is taken care of, we can now move on to the other things.

From my experience, it appears that one should not be worried. People worry because they think that either they have outright failed or they are borderline. This may be true, but it was not the case for me. I was worried, just because exam candidates worry, and I didn’t think my preparation, especially towards the end was good enough. Like I have said in another post, I overstudied, burned out, stopped studying, and then got back to it 2-3 days before the exam and crammed until a few minutes before the exam. I found the first testlet pretty easy even though I missed a couple of questions that I should have got right. Anyway, I am digressing. I will explain this later. You may want to read this, for further information on the grading of the exam and how the exams are released. I believe that if you are using Gleim or Yaeger, the introduction to the section you are taking will explain enough to tell you that there is no need to worry.
For me, the thing that gave me the most peace of mind was the knowledge that if it was true that if your results did not come out in the first wave then you failed… You would have all passing scores in the first wave – which is not the case, and you would have all marginal passes and/or failures in the second wave – which is also not the case. If you go to sites like Another71 or CPANET.com, you will find that people’s scores are all over the place in both wave 1 and wave 2, so I would not read too much into it unless something changes. My FAR result came out in wave 2, on 6/19/09,  even though I took the exam on 4/20/09 and “should have come out in wave 1”.


From my experience, if you have done well in all other testlets, and for some reason you don’t finish or something does not work out in another testlet, you should not despair. Well, I should probably explain myself. Itimed myself pretty strictly during the exams. For FAR, I planned to spend 45 minutes a testlet, maximum an hour if the testlet was tough. I told myself that I was willing to spend 1 hour on each of the multiple choice questions and then 30 minutes on the simulations if need be. I finished the first testlet in 42 minutes, and I reviewed for another 5-7 minutes. It was an okay (almost easy) testlet, but I missed a couple of questions that I should have got right if I had studied properly. I was not worried because I had a treshold of how many questions I could fail, and I was within that treshold. (Of course, if you fail 7 questions with the highest points then you may fail the testlet. I think I am able to tell when a question is objectively difficult and when it is not. Well, I would like to think so.) Anyway, the second testlet was pretty tough… I think I spent 1 hour 15 minutes on it. I was not too worried about it because I had about 10 minutes or so from the time budgeted for the first testlet. Overall, I was putting myself in a bind or time crunch, but I was calm. The third testlet was almost as tough as the second one, and I spent about an hour or a little over. In each case, I went back through the questions just to make sure that I had answered all questions, and I revisited the questions that I had marked for review, (and I had written down what I thought the correct response should be or why I could not decide.) Anyway, time for simulations, fourth testlet, I went through all the tabs, just to see the questions. I was just following the things I had read or heard or seen about handling the simulations. I had actually written down the steps I would follow at each stage of the exam and I read them each day as I started or finished studying. Anyway, I could not find the correct research solution, and I did not sweat it. I had done well or okay on the other parts of the simulation. Last simulation, I had 25 minutes or so. Obviously, I started with the written part, per advice from other DVDs or CDs or Books, and I quickly found the research part,… but when it came to the part that I needed to enter my figures, the spreadsheet was not working properly or I was doing something wrong. I tried double-clicking, I tried typing in my figures, I tried entering numbers in places I knew were not correct… I cannot remember what happened or how it all ended up working okay, but somehow I was able to enter some numbers (solutions) in a couple of places and the solutions were what I expected. Anyway, 3 minutes to go and I start reviewing the tabs, I find that there are numbers in a bunch of places I didn’t want them to be, i.e. when I was double-clicking in all the weird places and just trying things out and it didn’t seem like things were working out, the numbers I keyed in were being captured. UURRGGGHH! I started changing things, but then I told myself that I should not worry about it. I had put in a lot of effort, it was not good to try to change something that I spent minutes (or hours or days) working on in the remaining few seconds. I trusted the AICPA and their program… that if there were places that were not supposed to be touched or edited, then things will be okay… I sat there and watched as the clock ticked away. Time up. I was not sure whether to include this in my evaluation of how the computer worked, how satisfied I was with this or that, what improvements could be made, etc. I just wanted to go home and rest and start preparing for BEC. If I tell you that I did not worry about the simulations, and the questions that I knew I was supposed to know the correct answers to, I would be lying. I worried a little, but found ways to comfort myself quickly.

I wrote about my preparation for BEC, especially the last couple of days before the exam, in another post. I will link to it later. But, I did not have as much of a rough time with BEC… the only thing is, I was chilling and reviewing everything in my third testlet, and I saw that I had now answered the first or second question. I had may be 30 seconds or less. It was a wordy unclear question, and I just had to choose something because you “NEVER LEAVE A QUESTION UNANSWERED!” – that had been drilled in my head – and “NEVER CHOOSE (A) UNLESS YOU ARE SURE” etc. I had written those things down and went over them as frequently as I could, especially when I was practicing MCQs. So, I chose something and time run out. I felt relieved after the exam, just as I did after FAR. Was that good or bad? If I failed FAR and I had this same feeling, then may be I failed BEC as well? As we now know… I passed both. You cannot stop living just because you didn’t finish a simulation or some part of a testlet. I guessed quite a few times, because I just wasn’t sure or I didn’t have the timeto spend on a particular question or questions, but it appears I had studied enough to make the right guesses, or if I got things wrong, I had gotten enough correct to pass.


Honestly, I do not know the answer to this. I was preparing for BEC when FAR wave 1 came out. I checked and checked and checked even though I knew that both failure and passing could affect my preparation for the BEC. Neither was better for me as far as preparing for BEC was concerned. If I passed, I could relax a little bit and study better or relax too much and not study well enough. If I failed, I could study harder to at least pass one, or I could be devastated and not study well enough and fail two in a row. I thank God that I did not get my FAR score in wave 1. I lost a day that I could have studied BEC because I was checking NASBA, another71, the state board site, my email… I even wrote NASBA! Ha Ha! I read a hundreds of discussions and rants about the exams… so this one is a toughie. If you can manage to not worry or think about the exam you took and focus on the one at hand, that would be the best thing to do. However, spending time checking exams that have not come out, worrying and not studying, is one of the most unproductive things one can do while preparing for the CPA exam. It is not easy to block distractions out.


As I was preparing for the exam, the one thing that I frequently did was to visit sites like another71 (link above), CPAnet, and read up on people’s experiences. I will admit that sometimes I overdid it, because it was much easier than studying, but I learned a lot just by seeing the mistakes that other people made, or the good things that people who passed the exam did. One of the mistakes that I made was to overstudy and overprepare for FAR way before the exam… (I am not sure if it was a mistake – but I regard it as such) – and then burned out a month before the exam… and I didn’t touch a book or a DVD or a CD until the week of the exam. I had 4 days or so to review for the exam and it was a little stressful. For BEC, I did the opposite, I didn’t study until it was too late – almost too late. Lucky enough, I realized this weeks ahead of time, and I rescheduled my exam date. I had read various people’s writings about why the rescheduled and how the additional week or weeks made the difference between passing and failing. In my case, I can surely say that if Ihad not rescheduled, I could have barely passed or failed. I had rescheduled the exam to a week later. That allowed the cramming that I did during the week of Memorial Day weekend(?) to settle in – and it was almost like I had two cramming review sessions. If you look at the postings I made during that time, you will see that I was not exactly a happy camper, but I was positive about my progress.

So, to answer the question, you know yourself best. Do you think that waiting another week or two (if there is time in the testing window) is going to make a difference? If so, is it worth the cost? For me, the $35 was worth it. I will buy an extra week of study for the CPA exam at $35 any day if I think it will make a difference. Actually, it is not just a week I bought… I bought/saved future time that I could have spent re-applying, re-studying, re-taking the exam, re-worrying, re-checking various sites for results information etc. What a deal I got! However, not studying just because there is an option to reschedule is not smart at all. It is a waste of time and money. I don’t think I will ever reschedule again. I think I have got a good hang/handle of how much studying I need to do and when I can start without burning out or underpreparing.

Here is a helpful link  for other AICPA or CPA exam-related questionsfrom an interview Jeff (another71.com) conducted with the AICPA.

I guess I should stop here for now. It is almost midnight. I will add to this or do another post when/if I remember something else. I will read my mission statement and then do a couple of Auditing MCQs before I sleep.

It is a wonderful life.

June 1, 2009

Waiting for CPA exam results while preparing for AUD

Filed under: AUD,BEC,CPA,FAR — Steve (Chessiq) @ 9:24 pm

After my exam last Friday, I decided to start studying Auditing and Attestation (AUD) as soon as possible. Saturday morning, I decided to give Wiley testprep CD 14.0 a chance. For the past two exams I didn’t use it at all because I just didn’t like the “design”. One of the things I didn’t like was that I had to scroll up down to see a short answer – this really irritated me when I got a question wrong! In addition, the pop-up answer covered the partially covered the multiple choice options and you cannot move it to the side. How … smart is that!? The other reason is that (I think) I read that it only keep track of the last 3 sessions… So, I went ended up buying Gleim’s testprep CDs (I paid about $55 each for FAR and BEC and downloaded the software). Anyway, I re-read the Wiley “manual” or contents section and played around with it and I thought, since I am trying to save money, I could force myself to make do with it and see how I like it. I found that there was a text link… that gave you excerpts from the book relevant to the question being asked. I really liked (and still like) that idea. I guess you can read almost half of the book – the important stuff by reading the excerpts as you go! (You = me!)
The past couple of days I have done several things… I have finished watching the first DVD of the Yaeger lectures which covered Engagement Planning and Risk Assessment, and Internal Controls; I have finished Engagement Planning and Assessing Risks (Wiley AUD book – first module or chapter), and I have gone through all the multiple choice questions related to the first module – 125 questions. I didn’t do great, something like 67%. As always, I don’t worry about my first pass through. When I read the book or review my notes I should be okay.
My goal is to be at least half-way done when the exams start coming out in the next 3 weeks! My thoughts are alternating between… “I passed both FAR and BEC”, “I passed BEC but barely failed FAR”, and “I barely failed both FAR and BEC”! With that, what my reaction will be… how I will communicate the news to my family, bosses, workmates, and friends. I would like to think I passed both parts.

In the mean time, Auditing and Attestation rules!

It is a wonderful life.

May 22, 2009

Blogging away the CPA exams!

Filed under: AUD,BEC,CPA,FAR,REG — Steve (Chessiq) @ 5:30 pm

I have decided to start blogging again. This time around, instead of blogging about Chess or God or some other things that really interest me, I will blog about … my efforts towards passing CPA exams. I will try to keep my posts short. I think it will be my way of tracking my progress and keeping myself motivated to study. To stay on the path to passing and getting certified. I have some pretty good records of how I have studied so far – good or bad – but the records are there.
So, briefly, here is what has happened so far.

I sat for Financial Accounting and Reporting (FAR) on 4/20/09. I felt relieved after the exam. I thought the exam was not as tough as I expected. It was tough, but mainly because I didn’t prepare the way I should have. I had studied really hard for about 2 months, and then I burnt out. I didn’t study for almost 3 weeks and then I had to cram 3-4 days before the exam. I think I slept for about 16 hours in the 4 days before the exam. Not the greatest way to study. My take from the exam… if you know the fundamentals or basics of everything, you should be okay. For example, given some information, can you work out a statement of cash flow using the direct method and/or the indirect method? Can you break down the information into operating, investing, and financing activities? Similarly, do you know the main categories of governmental funds? How about the types of funds that fall under each category? etc. The volume of material to remember is great, but it is not undoable. I thought I managed my time well: 45 min, 60min, 75min, 35min, and 25min for the 5 testlets. Did I pass? I don’t know. I would like to think so. Some results came out over the past couple of days, in wave 1, but mine was not part of it. I think it is a good thing, that way I can focus on preparing for Business Economics and Concepts (BEC). How is that? Well, if I passed, then may be I would relax a little bit and waste a day or two along the way. On the other hand, may be it would give great motivation to pass BEC and then pass the other two (Auditing and Attestation (AUD), and Regulation (REG)) next quarter. May be. If I failed, may be I would be disturbed and not be able to study for a day or two. May be failure would give me the drive I need to focus on BEC so that I don’t go 0 in 2! I don’t know.
What I can tell you is that I have spent the past 3 days checking result-related information at the State Board of Accountancy website, at NASBA, at CPAnet, at another71.com, and a few other places. Today, I have come to the conclusion that, as I had originally hoped, my result for FAR will come out around June 21st.
How has my prep for BEC been? Not great. I should say there has not been much preparation at except the past 3 days. What is my explanation or excuse? I have been pretty busy with work. I have been stressed out about work – will I have a job tomorrow, next week, next month? I am not as stressed this week week as I was about 2-4 weeks ago. I will not go into the details. The other explanation/fact, but not an excuse, is that I have just been avoiding studying. No motivation, no drive. I would not look at this explanation separately from the first one. They may be linked. Anyway, so what am I doing going forward?

Well, first off, I was supposed to take the exam tomorrow – 5/23, but I moved it (two weeks ago) to next Friday, 5/29 after I saw that I was so busy at work with month end close, and even after that, I could see a hellish week or weeks preparing for Auditors. I am not moving the exam again. I have been off work since Wednesday and I have done some decent studying. I think I will be prepared to take the exam by the time 5/29 rolls around even though I am working every day next week. I will try to get out of work by 6 pm so that I can have at least 4-5 hours of study before I sleep.

This week I will be using Gleim’s test prep software to go through the study units. Today I have finished unit 4 and I am half way through unit 5. I have only 15 to go! I have been averaging about 71. The recommended is 80 and above so that you can feel “assured” that you will get a 75 on the actual exam.

I have written more than I intended to, but it was a quick summary of what I have done so far and where I am headed.

It is a wonderful life.

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