First off, I don't want to paint pro. designations in a broad stroke. In no way or manner want to insult worthy and crediable designations such as CLU, LUTC, MSA, CFP, RHU and so on. Yet lets face it there is a new breed that has emerged over the years such as the CSA which is total BS! Okay let me qualify, the CSA is a worthy course if you're a Case Manager or Care Provider but for the Agent/Broker this course may not be useless but it is not a designation! From their website: http://www.society-csa.com/AboutandContact.aspx In other words this was never meant to be a stand alone designation such as many in the Insurance Biz is now using it. Yet though this really never bothered me yet it is annoying when you meet up with the egg head that has this mix in with another useless designation, such as the CLTC. What is this CLTC? Well I went and checked it out, WOW! The wow factor is the 2 day course or take it online, basically its nothing more the CE course structure that has no underlying requirement such as the three year expierence as in the RHU (register Health Underwriter). No you pay your $900 dollars (well someone has to have a reason to create it!LOL) or whatever and take your online course (can you fail it is the big question?) and then agree to act in accordance to the Standards which really says nothing the best I can figure out. http://www.ltc-cltc.com/consumers/cltc-code.html Oh well things that just bug me at times! Now I have a real designation, IDGAFFFI (I don't give a flying flip for IDIOTS) Psps: my rant for the day, if you find it wasn't worth the cost of admission please notify me and I'll happily send you a refund of cost! Of course there will be a small shipping and handling charge. Oh well there is a sucker born every moment they say so here is a sucker for the suckers!