Free property and casualty study guide

Life Agent, Personal Lines Property and Casualty, General Lines, and Limited Lines applicants may receive a temporary, 180-day license before they pass the required examination if their sponsoring company, agent or agency requests it and if they are otherwise eligible. This temporary license may not be renewed.

Free property and casualty study guide. California requires 40 hours of pre-license education for both property and casualty insurance license applicants. You also must complete 12 hours of ethics and California Insurance Code to satisfy the state's 52-hour pre-licensing education requirement. Once you complete your pre-license courses, you'll receive a certificate valid for ...

Pennsylvania Property and Casualty Comprehensive Pre-licensing Education Self-Study Course is designed to assist individuals in preparation for their Pennsylvania property and casualty exam. Student self-studies and receives a PE certificate after passing an on-site (home or office) exam that must be monitored by a disinterested third-party (anyone other than a relative or direct supervisor ...

Mar 7, 2020 · Now you don’t have to, because Trivium Test Prep’s NEW Property and Casualty Insurance License Exam Study Guide 2020-2021 comes with FREE online resources, including: practice questions, online flashcards, study “cheat” sheets, and 35 tried and tested test tips. The total cost of getting a property and casualty (P&C) insurance license in Colorado is at least $287.60, but can reach nearly $500 based on the type of pre-license course you choose. The costs include: Insurance Pre-license Education Course Fee: $139 via Kaplan.Get preparatory today with free Property and Casualty habit test questions. Get about of Property and Casualty exam with study tips furthermore patterns practice questions. Skips up table . View. ... Were have compiled a list of the bests study guides, flashcards, and real assessments that we’ve found on the market. Some of these …The Arkansas Property and Casualty Insurance Exam consists of a total of 150 multiple-choice questions, and you’ll have 2.5 hours to complete it. To pass the exam, you must score at least 70%. The exam is divided into two sections, with 75 …Property and Casualty (2-20) and Personal Lines Downloads. Schedules: Property and Casualty – 3-Day CRAM; General Lines Evening/Weekend Topic Calendar; General Lines 3-Week Day Class Schedule; Personal Lines (Only) Day Class Schedule; Information: Florida Insurance Licensing Candidate Handbook; Surplus Lines Qualification LetterA list of resources to help students study Insurance. Busy. Please wait. Cancel. Ok. Log in with Facebook ... Property & Casualty (41 cards) 2023-09 ... Pre-Licensing Education Assessment Study Guide (87 cards) 2024-03-06 ...This efficient, effective study tool is line-of-authority specific and portable for quick self-quiz anywhere. Test your knowledge on fundamental insurance terms and prepare for the exam with more than 100 review cards for each line of authority. Flashcards are available in English or Spanish for the following exams: life & health, property ...

The exam is divided into two sections: Property Insurance and Casualty Insurance, each section consisting of 50 multiple-choice questions. You will have two and a half hours to complete the entire exam, with one and a half hours for each section. The exam is computer-based, and you’ll be provided with a tutorial before starting the exam.Updated for 2021, Trivium Test Prep’s unofficial, NEW Property and Casualty Insurance License Exam Study Guide 2020-2021: P&C Exam Prep Book with Practice Test Questions isn’t your typical exam prep! Because we know your time is limited, we've created a product that goes beyond what most study guides offer.EssentialPlus Live & OnDemand Package (GA - Property & Casualty) Online Course—Online Study Tools, Review Exams, and Live & OnDemand Online Review Class. $249.00. Schedule Class. Essential Self-Study Online Package (GA - Property & Casualty) Online Course—Online Study Tools & Review Exams. $189.00. The North Carolina Property and Casualty Insurance Exam is a challenging test that requires you to have a good understanding of various types of questions. These questions are designed to test your knowledge of insurance concepts and principles, as well as your ability to apply them to real-world scenarios. Study with Quizlet and memorize flashcards containing terms like Professional liability policies protect against liability resulting from, Mini-Tail or Extended. ... Final Exam Questions Property and Casualty - NJ STATE EXAM WITH STUDY GUIDE EXAMFX. 5.0 (4 reviews) Flashcards; Learn; Test; Match; Q-Chat; ... NJ Property/ Casualty Insurance Exam ...Mometrix Secrets Study Guides: Property & Casualty Exam Secrets Study Guide : P-C Test Review for the Property & Casualty Insurance Exam (Paperback) Add. $49.48. ... Get free delivery, shipping and more* *Restrictions apply Start 30-day free trial. Start 30-day free trial. NP Notes : Nurse Practitioner's Clinical Pocket Guide (Edition 4) (OtherCrystallography is a branch of science that studies the arrangement and properties of crystals. X-ray diffraction (XRD) is a powerful technique used in crystallography to determine...

The Wisconsin property and casualty insurance exam typically takes about 2.5 hours to complete. During this time, you’ll be asked 135 multiple-choice questions that cover various topics related to property and casualty insurance, such as liability, commercial lines, surety bonds, and more.The Georgia property and casualty insurance exam is a computer-based test that consists of 100 multiple-choice questions. You'll have two and a half hours to complete the exam and must score at least 70% to pass. The exam is administered by the state of Georgia's Office of Insurance and Safety Fire Commissioner.Continue reading to learn how you can get property and casualty training after passing the exam. So, get ready! Foundational Insurance Terms. In this article, we are going over some foundational insurance terms to help you with the property and casualty Adjuster exam. This should be broad enough to apply to whichever state you are in.Don't settle for low-quality study guides or practice quizzes you find online. If you Google "Arizona property and casualty insurance license practice test" or "Arizona life and health insurance study guide," you're bound to get lots of search results, but very few comprehensive study solutions.

Silent night 2023 showtimes near regal cinema 99.

After you have put in as much study time as necessary, contact Pearson VUE to register. The combined line exam fee is $61. If you are going to take either the property or the casualty exam, the fee is only $51. Keep in mind that in Nevada, you need to be fingerprinted as part of your license application process.03 Property NV Property 2 hours 04 Casualty NV Casualty 2 hours 15 minutes 55 Personal Lines (Noncommercial Property & Casualty) NV Personal Lines 2 hours 15 minutes 06 Property & Casualty Combined NV Property and Casualty 3 hours 35 minutes 05 Life and Health Combined NV Life and Health 3 hours 35 minutes …Property and Casualty. Property and Casualty is responsible for review of policy forms, endorsements, and manual rules and rates for products marketed to Ohio consumers by Ohio licensed property and casualty insurers. Review standards include ensuring that policy language is understandable to consumers and that rates are not excessive ...The average insurance exam-taker should expect to spend about 35 to 40 hours studying to pass the Property and Casualty exam. It is recommended that you …Take this free practice test to get an idea of what is on your state's property and casualty insurance agent licensing exam. As an insurance agent, one is allowed to offer many different lines of coverage – provided that the required training and testing qualifications have been met. Those who wish to sell property and casualty insurance are ...Want more? Search your exam at:https://certdemy.comRegister a free account and start now for free!

A candidate who has the Professional Designation CPCU- Chartered Property and Casualty Underwriter applying for Property, Casualty or Accident and Health Line of Authority; ... Toll Free: 844-889-8970. Email: psi@rmsoa. Website:www.psiexams.com ...Use study materials: There are many study materials available for the Delaware Property and Casualty Insurance Exam. These include textbooks, online courses, and study guides. Choose the study materials that work best for you, and make sure you use them consistently.A reduction in value of property that results immediately from damage to the property is know as. Direct loss. Items that are paid on replacement cost is defined as the. Amount to replace the damage property without a deduction for depreciation. A wrongful act other than a crime or breach of contrat is law. Tort law.The State of Delaware uses Pearson VUE to administer its insurance agent licensing. This means you can register and book all of your licensing examinations through the Pearson VUE website. Your test can be carried out online or in person. Each major insurance line examination is made up of bullet-point questions and includes both general and ...Discover all about solar tax exemptions, including property tax and sales tax state-by-state in this article. Expert Advice On Improving Your Home Videos Latest View All Guides Lat...This efficient, effective study tool is line-of-authority specific and portable for quick self-quiz anywhere. Test your knowledge on fundamental insurance terms and prepare for the exam with more than 100 review cards for each line of authority. Flashcards are available in English or Spanish for the following exams: life & health, property ...Self Study Online Course. Choosing the Property & Casualty option gets you prepared to pass both the property and casualty insurance exams with one package. The Essential package is designed to fit your busy schedule by combining a self-study online course and online study tools that let you prepare for your state exam anytime, anywhere.Pearson VUE? (See page 5 in Candidate Guide or Skip to 5 if not required.) 4. After you pass the examination, Pearson VUE transmits the examination result to NIPR to match up to your pending application. 5. NIPR sends application electronically to the North Carolina Licensing Office of Pearson VUE. (See page 15 in Candidate Guide.) 6.Premium Instruction Live Online Package (PA - Property & Casualty) Buy in monthly payments with Affirm on orders over $50. Learn more. Please note: The online access period for your insurance licensing course is 90 days. Additional extension of either 30 days ($29.00) or 90 days ($49.00) may be purchased to extend your study time.A guide to insurance: what it does and how it works. Insurance Information Institute 110 William Street New York, NY 10038 Tel. 212-346-5500. Fax. 212-732-1916. www.iii.org ... Property/casualty and life insurance policies were once sold almost exclusively by agents—either by captive agents, representing one insurance company, or ...Test Prep Books' Property and Casualty Insurance License Exam Study Guide: Property Casualty Insurance Book and Practice Test Questions [3rd Edition] Made by Test Prep Books experts for test takers trying to achieve a great score on the Property and Casualty exam. This comprehensive study guide includes: Quick Overview; Test …Personal property of others; must be located in or within 100 feet of premises. Everything that is not a structure or permanently attached to the structure (stock, furniture, fixtures, machinery, tenant improvements). Up to $10,000. Up to $1,000 for fences, antennae, signs attached to a building, and debris removal.

Career Launcher Package (AR - Property & Casualty) Insurance Accelerator & Online Course—Online Study Tools, Review Exams, Live & OnDemand Online Review Class. Buy in monthly payments with Affirm on orders over $50. Learn more. View Details. Schedule Class.

Study with Quizlet and memorize flashcards containing terms like Representations, Contract of Utmost Good Faith, Contract of Adhesion and more. ... Oklahoma Property and Casualty Exam Prep. 23 terms. parn8972. Preview. Oklahoma Property and Casualty. 110 terms. Holberto. Preview. Insurance Test. 261 terms. Parkerpruett12. Preview.The total cost of getting a property and casualty (P&C) insurance license in Michigan is at least $245.60 but can reach nearly $500 based on the type of pre-license education course you choose. The costs include: Application Fee: $10 application fee + $5.60 transaction fee via the NIPR. Insurance Pre-license Education Course Fee: $139 via ...To shift the responsibility for a loss to an insurance company through the purchase of insurance. Actual cause of a loss such as fire, theft, wind, hail, etc. - the fundamental idea that the purpose of insurance is to restore the insured to the original financial position that was enjoyed before a loss, BUT WITHOUT GAIN. Study with Quizlet and ...Property & Casualty Study Guide with Practice Questions. Candidates are given four hours to complete the Property Casualty Exam, which is almost always taken on a computer. Candidates can register to take the test online. The Property and Casualty Sections are separated on the exam. The eight main topics in the Property Section are:Mometrix Test Preparation's Property and Casualty Insurance License Exam Study Guide - Property and Casualty Exam Secrets is the ideal prep solution for anyone who wants to pass their Property and Casualty Insurance Exam. The exam is extremely challenging, and thorough test preparation is essential for success. Our study guide includes:In order to be eligible for a Virginia property and casualty insurance license, you must first pass the exam. You can register for this exam by calling 1-888-204-6272 or online at Pearson VUE. To register for an exam online, you must create an account. You can then find test centers and see when they will be hosting the exams.Accident. a sudden event (such as a crash) that is not planned or intended and that causes damage or injury. Occurrence. loses caused by continuous/repeated exposure to conditions. Direct Loss. direct, physical damage to buildings and/or personal property. Indirect/Consequential Loss. loss that is a result or consequence of a direct loss.Basic. Self-Study Online or Print. $139.00. Premium Instruction Live Online Package (TX - Property & Casualty) Live Online Class—Online Study Tools & Review Exams. Buy in monthly payments with Affirm on orders over $50. Learn more. $329.00. Schedule Class.Study Manual. All Property & Casualty study manuals have been combined into a single publication containing the essential information needed to pass the following licensing exams: 2-20 General Lines, 20-44 Personal Lines Agent; 6-20, 7-20, 70-20 All Lines Adjuster; 3-20, 73-20 All Lines Public Adjuster; Order Study Manual. Flash Cards

Msnbc contact information.

Heidi powell reddit.

Property & Casualty (P&C insurance company) Assuring that Companies Meet Basic Standards. 14 of 31. Term. Company must be Admitted/Authorized to conduct business in a state. Covers policy for insured if company went bankrupt; $100,000 cash value for Life Insurance policy/Annuity; $300,000 death benefits and health claim benefits.It covers topics such as insurance policies, laws and regulations, risk management, and ethics. The Ohio Property and Casualty Insurance Exam consists of two parts: the multiple-choice section and the written section. The multiple-choice section contains 150 questions, and you'll have three hours to complete it.Study with Quizlet and memorize flashcards containing terms like 24 hrs & 3 of those hours ethics, 12 hrs, 30 days and more. ... How many hrs for Prelicensing education requirement hours needed for life/health/accident and property and casualty agent in Mississippi. 30 days.While the content of practice tests is not the same as the content of the actual exam, the questions are representative of the types of questions you will see on the exam and are specific to casualty insurance. The exam contains 50 items related to casualty insurance topics and 25 items associated with modified state content.The total cost of getting a property and casualty (P&C) insurance license in Arizona is at least $405.60 but can reach nearly $500 based on the type of pre-license course you choose. The costs include: Insurance Pre-license Education Course Fee: $179 via All-Lines. Exam Fee: $49 via Prometric.Amazon.com: Property & Casualty Insurance License Exam Study Guide: Test Prep and Practice for the Property and Casualty Exam: 9781940978864: ... Download the free Kindle app and start reading Kindle books instantly on your smartphone, tablet, or computer - no Kindle device required.2. CompuCram Property & Casualty Insurance Study Guide. Part of the larger Hondros Education Group, CompuCram is another great entry on this list for Insurance Exam Prep, using their solid foundation and pedigree from their Hondros parentage to form a solid reputation and identity all their own. Utilizing practice tests, flashcards, and more ...Study with Quizlet and memorize flashcards containing terms like the one basic characteristic of any type of insurance is that the insured is returned to the same status that existed prior to the loss, but without a chance for gain or profit, which of the following coverages does an open peril policy provide?, determine the actual cash value in the following situation: original price of office ...This efficient, effective study tool is line-of-authority specific and portable for quick self-quiz anywhere. Test your knowledge on fundamental insurance terms and prepare for the exam with more than 100 review cards for each line of authority. Flashcards are available in English or Spanish for the following exams: life & health, property ... ….

23 Mar 2020 ... Here's a Secret about the property & casualty insurance license? It's good to cram. That's right... the trick to passing is to cram for the ...Basic. Self-Study Online or Print. $139.00. Premium Instruction Live Online Package (TX - Property & Casualty) Live Online Class—Online Study Tools & Review Exams. Buy in monthly payments with Affirm on orders over $50. Learn more. $329.00. Schedule Class.Pennsylvania Property And Casualty Exam Requirements. First, schedule the exam with PSI online or by phone at 1-800-733-9267. There is a $53 fee for the combined property and casualty exam. Be sure to bring your completion certificate and a valid government-issued photo I.D. to the test. The property and casualty insurance exam consists of 150 ...the taking of property from the person of another by force or the threat of force. Taking something from a person with a weapon. Attacking from behind in a public place. A promise by a guarantor to pay one party (the Obligee) a certain amount if a second party (the principal) fails to meet some obligation.This efficient, effective study tool is line-of-authority specific and portable for quick self-quiz anywhere. Test your knowledge on fundamental insurance terms and prepare for the exam with more than 100 review cards for each line of authority. Flashcards are available in English or Spanish for the following exams: life & health, property ...Get more up to date insurance practice questions at:https://insuranceexamacademy.com Want more? Search your exam at:https://certdemy.comRegister a free accou...The Georgia property and casualty insurance exam is a computer-based test that consists of 100 multiple-choice questions. You’ll have two and a half hours to complete the exam and must score at least 70% to pass. The exam is administered by the state of Georgia’s Office of Insurance and Safety Fire Commissioner.Shop Insurance Licensing Exam Prep Products. Kaplan can help you earn a variety of state insurance licenses, including Life, Health, Property, Casualty, Adjuster, and Personal Lines. From live online classes to OnDemand online courses to self-study programs, we have a solution tailored to fit your budget and learning style.requires the insured to carry a minimum precentage of replacement cost of the property insured, at the time of the loss. If fail to carry the amount of insurance required to meet the clause, the insurer must pay the larger of the. 1. ACV of the loss. 2. A Proportion of the replacement cost of the loss. Free property and casualty study guide, Start Studying Early/Set a Study Calendar. The average insurance exam-taker should expect to spend about 35 to 40 hours studying to pass the Property and Casualty exam. It is recommended that you study for the exam over the course of a few weeks, rather than trying to cram the week of the exam. The best way to avoid cramming is to set a study ..., Top Sights. Bryansk Regional Museum of Fine Arts, Bryansk Drama Theatre and Bryansk Machine Building Factory National Museum. Bundle Bryansk flight + hotel & save up to 100% off your flight with Expedia. FREE cancellation on select hotels ., the answer will be at the ENDTo get the most value from these we recommend:First, pause the video when a new slide appearsSecond, read the question and selec..., The total cost of getting a property and casualty (P&C) insurance license in Ohio is at least $328.85, but can reach nearly $500 based on the type of pre-license education course you choose. The costs include: Insurance Pre-license Education Course Fee: $139 via Kaplan., The property and casualty exam is a pre-license requirement by the state. The exam tests your knowledge of the general terms, concepts, and policies in selling property and casualty insurance. Taking the P&C insurance license exam can be the most challenging step in the licensing process. The overall pass rate for the insurance exam is 60% ..., 87. 70. P&C = Combined Property & Casualty Exam with 150 Questions. P = Property Insurance Only exam with 100 Questions. C = Casualty Insurance Only exam with 125 Questions. PL = Personal Lines Exam with 100 Questions. Industry Advisory Committee review 8/8/2023. Page 2., Property and Casualty Insurance License Exam Study Guide 2024-2025: Property Casualty Insurance Book and Practice Test Questions [3rd Edition] $34.99 $ 34 . 99 Get it as soon as Tuesday, Apr 16, The ExamFX Property and Casualty Tip Sheet is a condensed resource of important key terms and exam topics. Its sturdy, folded format, makes it a convenient course content review tool. The Tip Sheet can be added to any Property and Casualty package during checkout. Available in Spanish. RETAIL PRICE., Don't settle for low-quality study guides or practice quizzes you find online. If you Google "Arizona property and casualty insurance license practice test" or "Arizona life and health insurance study guide," you're bound to get lots of search results, but very few comprehensive study solutions., the taking of property from the person of another by force or the threat of force. Taking something from a person with a weapon. Attacking from behind in a public place. A promise by a guarantor to pay one party (the Obligee) a certain amount if a second party (the principal) fails to meet some obligation., This efficient, effective study tool is line-of-authority specific and portable for quick self-quiz anywhere. Test your knowledge on fundamental insurance terms and prepare for the exam with more than 100 review cards for each line of authority. Flashcards are available in English or Spanish for the following exams: life & health, property ..., The Minnesota property and casualty insurance exam typically takes about 2-3 hours to complete. You’ll need to answer a total of 150 multiple choice questions, covering a range of topics such as property insurance, liability, and automobile insurance. To pass the exam, you must score at least 70% or higher., This efficient, effective study tool is line-of-authority specific and portable for quick self-quiz anywhere. Test your knowledge on fundamental insurance terms and prepare for the exam with more than 100 review cards for each line of authority. Flashcards are available in English or Spanish for the following exams: life & health, property ..., First, find the total amount of insurance in force, which is $400,000, then pro-rate the amount each policy covers. Since Company A has 3/4 of the total and Company B has 1/4 of the total Company A will pay $75,000 and Company B will pay $25,000. Losses are share pro-rata, whether collectible or not., This efficient, effective study tool is line-of-authority specific and portable for quick self-quiz anywhere. Test your knowledge on fundamental insurance terms and prepare for the exam with more than 100 review cards for each line of authority. Flashcards are available in English or Spanish for the following exams: life & health, property ... , Property & Casualty Insurance Book - Free ebook download as PDF File (.pdf), Text File (.txt) or read book online for free. Property & Casualty Insurance Study Guide, Premium Instruction Live Online Package (TX - Property & Casualty) Buy in monthly payments with Affirm on orders over $50. Learn more. Please note: The online access period for your insurance licensing course is 90 days. Additional extension of either 30 days ($29.00) or 90 days ($49.00) may be purchased to extend your study time., Do you want to pass the Texas Property and Casualty Insurance license exam on the first try? Due to the overwhelmingly positive reviews for our Texas Life, Accident and Health Insurance Agent License Exam Study Guide (ASIN B071CNHYWD), we have introduced a resource that is specific to preparing you for the Texas Property and Casualty Insurance license exam., Property & Casualty Insurance Exam: Pass With 100% Free Training. Do you want to pass the Property & Casualty exam with a free training guide? You see… to become an expert adjuster you need some good training, but don’t worry, Major Adjusters specialize in helping newbies pass the exam and get trained. Continue reading to learn how you can ... , A 550 utility trailer blown away by a tornado. A stolen silver tea set worth 2000. A coin collection valued at 500 lost in a fire (no more than 200 for coins) South Carolina Property and Casualty Insurance Exam Practice Learn with flashcards, games, and more — for free., The practice exam focuses on familiarizing you with the computer-based testing experience. While the content is tailored to the content area, the exam is designed to highlight the correct answer. Please do not rely on the exam for detailed feedback. Pearson VUE delivers national casualty insurance practice exams., Insurance Practice Tests. Pearson VUE offers online life, health, property, and casualty insurance practice tests for $19.95. Purchase an online insurance practice test. Insurance practice test FAQs. Last updated 2023-07-13. Pearson VUE delivers certification exams for North Carolina Insurance., Take this free practice test to get an idea of what is on your state's property and casualty insurance agent licensing exam. As an insurance agent, one is allowed to offer many different lines of coverage – provided that the required training and testing qualifications have been met. Those who wish to sell property and casualty insurance are ..., No matter how old you are, there’s always room for improvement when it comes to studying. Whether you’re taking the biggest exam of your life or you know your teacher or professor ..., 75 of 75. Quiz yourself with questions and answers for Georgia Property and Casualty Insurance Exam Study Guide, so you can be ready for test day. Explore quizzes and practice tests created by teachers and students or create one from your course material., The exams to become a Missouri-licensed property and casualty insurance producer are TOUGH. Kick off your new career with the help of this extensive study guide. The guide covers the national and state-specific topics on the exam outlines in a clear and concise manner, and the included practice tests will determine your …, Test Prep Book's Property Casualty Insurance License Exam Study Guide 2018 & 2019: Property and Casualty Insurance License Exam Study Prep & Practice Test Questions Developed by Test Prep Books for test takers trying to achieve a passing score on the Property and Casualty insuance exam, this comprehensive study guide includes: •Quick Overview •Test-Taking Strategies •Introduction ..., To obtain a license to transact Minnesota Property and Casualty/Liability insurance, you must pass an entry-level exam for the appropriate line of authority. The purpose of the examination is to test your knowledge of the general insurance concepts, insurance policies, provisions and contract law. You are also required to demonstrate the ..., Bodily injury per person, bodily injury per accident and property damage per accident. If an auto policy has split limits of 30/50/25, how much will the auto policy pay for property damage in a single accident? $25,000. If an auto policy has split limits of 30/50/25, what is the maximum amount the policy will pay for injuries to one person in a ..., Take the first test with no time constraints and with your notes and Claims Adjuster study guide handy. Take your time and focus on applying the strategies you’ve learned. Time Yourself. Take the second practice test “open book” as well, but set a timer and practice pacing yourself to finish in time. Simulate Test Day., Study with Quizlet and memorize flashcards containing terms like To assure the public that only competent trustworthy individuals and other entities sell insurance and to protect and promote the public interest., A contract under which one party undertakes to pay another against a loss of a specified contingency or peril., What is another word for insurance company? and more., Study with Quizlet and memorize flashcards containing terms like To assure the public that only competent trustworthy individuals and other entities sell insurance and to protect and promote the public interest., A contract under which one party undertakes to pay another against a loss of a specified contingency or peril., What is another word for insurance company? and more., Our comprehensive study guide for the Property & Casualty Test is written by our test experts, who painstakingly researched the topics and the concepts that you need to know to do your best on the Property & Casualty Test. Our original research into the Property & Casualty Insurance License Exam, offered by the state licensing boards, …