I agree with you Helmi, as an educator it is our responsiblity to provide the students with as much knowledge as possible about the industry and also provide them with the right do's and donts about the changes with regulatory agencies and policies that must be followed. I prepare students for state Board and as a Instructor, I am very greatful to have been given the opportunity to take these online courses. I much more aware of financial aid responsibilities as it relates to my students.