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I used AD Banker for class room study. I passed the test on the 1st try. MY buddies took the self study and had to take the test multiple times. I don't know if it was them or the self study????? I loved the classroom though because you could ask questions. Mine was a FRI SAT SUN 8 hour day class. It was easy and actually fun. I thought I was failing the test. Turns out I got like a 73 or somewhere around there.