I completely agree!! Other than my sophomore Geometry test, I have never failed a test before now. Not even in college. I have taken a Life Insurance Licensing exam and passed that the first time. And that was difficult. But this online certification is ridiculously hard. I am now on my 6th attempt and don't know how to pass it. I have studied and taken serious notes, but I can't seem to pass this even though I'm certain of my answers every time. This doesn't even give us a state license for anything. It shouldn't be this difficult!