How to Study and Pass the Texas Life and Health Exam

Summary

In this video, Melissa, the 'Insurance Exam Queen,' offers a comprehensive guide to passing the Texas life and health exam. She explains the exam structure, emphasizing the 150 total questions with only 130 scored. Melissa advises treating all questions as important, as the pre-test questions are mixed in and unknown. She highlights key chapters, suggesting a focused study strategy on high-yield topics like 'Completing the Application,' 'Field Underwriting,' and 'Provisions.' Melissa also provides tips on managing test anxiety and confidence, aiming for a 70% passing score. Her approach is to concentrate on the most tested areas, efficiently using study time for a high pass rate.

Takeaways

• 📚 The Texas life and health exam consists of 150 questions, with only 130 scored towards the final grade.
• 🎯 To pass, one needs 70% of the scored questions correct, which is 91 out of 130 questions.
• 🤔 Treat all 150 questions as important, as it's unknown which are pre-test and which are scored.
• 📉 There's a significant margin for error; one can miss nearly 60 questions and still pass the exam.
• 📈 Focus on the most tested topics, as mastering these can lead to a pass even if other areas are less studied.
• 🔑 'Double-dipping' chapters like completing the application and underwriting cover similar content for both life and health exams, making them crucial for study.
• 📊 The exam covers various chapters, each with a different weight, influencing how much time to allocate to each.
• 🚫 Some chapters, like social insurance, have a low weight and can be briefly reviewed.
• 📈 Provisions and types of health policies are significant, overlapping with life insurance provisions, and should be studied in detail.
• 📉 Even without full confidence in answers, there's a 25% chance of guessing correctly, so avoid negative assumptions during the exam.

Q & A

What is the total number of questions on the Texas life and health exam?

The Texas life and health exam consists of 150 questions.

How many of the 150 questions on the exam are scored?

Only 130 of the 150 questions are scored. The remaining 20 are pre-test questions.

What is the minimum score required to pass the Texas life and health exam?

To pass the exam, one needs to score 70%. Since only 130 questions are scored, this translates to getting at least 91 questions correct.

What is the significance of pre-test questions on the exam?

Pre-test questions are used by the test maker to try out new questions. They are not scored and the test taker won't know which questions are pre-test.

Why is it important to treat all 150 questions as test questions during the exam?

It's important to treat all questions as test questions because the test taker won't know which are pre-test and which are scored, ensuring a fair attempt at all questions.

What is the percentage of the exam that covers 'Completing the Application, Underwriting, and Delivering the Life Policy'?

The section on 'Completing the Application, Underwriting, and Delivering the Life Policy' makes up 9% of the exam.

How does the 'Field Underwriting' section relate to the 'Completing the Application' section on the exam?

The 'Field Underwriting' section is essentially the same as the 'Completing the Application' section, just applied to the health side of insurance. Studying one helps with the other.

What is the strategy suggested for approaching questions on the exam that you're not confident about?

The strategy is to not assume a question is wrong just because you're not confident. There's a 25% chance of guessing correctly, and confidence doesn't always reflect accuracy.

What is the focus of the 'Life Insurance Policy Provisions' and 'Health Provisions' sections on the exam?

The 'Life Insurance Policy Provisions' and 'Health Provisions' sections focus on the rules and options within life and health insurance policies, with an emphasis on overlapping areas.

How should one prioritize studying for the exam based on the script?

One should prioritize studying the 'red chapters' which are the most tested topics, medium focus on 'yellow chapters', and can bypass 'green chapters' which are less important. This strategy helps manage study time effectively.

Outlines

00:00

📚 Overview of the Texas Life and Health Exam

Melissa, the 'insurance exam Queen,' introduces a guide on how to pass the Texas life and health exam. She explains the exam structure, which consists of 150 questions, 130 of which are scored, and 20 are pre-test questions that do not count towards the final score. Melissa emphasizes that candidates need to answer 70 out of 130 questions correctly to pass. She advises treating all questions as important, even though only 130 count, and not to assume a question is wrong just because of a lack of confidence. She shares anecdotes about students' experiences and the importance of maintaining a positive attitude during the exam.

05:01

🔍 Exam Content Breakdown and Strategy

The video script details the exam's content outline, focusing on the percentage of questions derived from each chapter. Melissa discusses the significance of chapters like 'Completing the Application,' 'Underwriting,' and 'Delivering the Life Policy,' which collectively account for 16% of the exam. She refers to these chapters as 'double dipping' because they overlap with health insurance topics. Melissa also covers the importance of studying 'Life Insurance Policy Provisions' and 'Health Provisions,' which are substantial parts of the exam. She categorizes chapters into 'red' for high focus, 'yellow' for medium focus, and 'green' for low focus, advising students to concentrate on the most tested topics to pass the exam efficiently.

10:01

💼 Detailed Chapter Analysis and Test-Taking Tips

Melissa delves deeper into specific chapters, providing insights into their content and how they relate to the exam. She discusses the importance of understanding life insurance policies, the underwriting process, and the delivery of policies. She also touches on the overlap between life and health insurance topics, advising students to leverage this for efficient studying. Melissa further breaks down chapters into 'red,' 'yellow,' and 'green' categories based on their importance and testing frequency, suggesting strategic study approaches for each. She reassures students that focusing on key chapters and understanding the exam's structure can lead to passing, even without mastering every detail.

15:02

🏥 Health Insurance Focus and Chapter Prioritization

This section of the script shifts focus to health insurance, with Melissa discussing the types of health policies and their significance in the exam. She emphasizes the importance of understanding HMOs, PPOs, and disability insurance, which are key areas within health policies. Melissa also addresses the overlap between life and health insurance provisions, suggesting that studying one can aid in understanding the other. She provides a strategic approach to studying, advising which chapters to prioritize based on their weight in the exam and the potential for 'double dipping' on studied material.

20:05

📈 Study Plan and Confidence Building for the Exam

Melissa concludes the script with a study plan and a strategy for building confidence. She outlines how focusing on the most tested chapters can lead to a passing grade, even if some questions are answered incorrectly. She provides a hypothetical breakdown of scores per chapter, demonstrating how covering key topics can result in a passing score. Melissa encourages students not to stress over minor details or less important chapters, aiming for a 70% correct answers to ensure a pass. She reinforces the idea that a passing score is sufficient, regardless of whether it's a high or low percentage, and that strategic studying can reduce study stress and increase the likelihood of success.

Keywords

💡Texas life and health exam

The Texas life and health exam is a licensing requirement for insurance agents in Texas who wish to sell life and health insurance products. The video's primary theme revolves around strategies to pass this exam. The script discusses the exam's structure, scoring, and content, emphasizing the importance of understanding the test's mechanics to successfully pass it.

💡Pre-test questions

Pre-test questions are a portion of the exam that are used for testing new questions without impacting the candidate's score. They are integral to the video's discussion on exam strategy, as the speaker clarifies that out of 150 questions, 20 are pre-test and do not count towards the final score, which can alleviate test-taker anxiety.

💡Scored questions

Scored questions are the portion of the exam that contributes to the candidate's final score. The video script mentions that only 130 out of 150 questions are scored, which is crucial for understanding the passing threshold. It influences the study approach by indicating that candidates only need to answer 70 out of 130 correctly to pass.

💡Underwriting

Underwriting in the context of the video refers to the process of risk assessment used by insurance companies to determine an individual's eligibility for insurance coverage. It is a key concept in the exam and is discussed as part of the chapter breakdown, highlighting its importance in both life and health insurance.

💡State content outline

The state content outline is a guide provided by the state that outlines the topics and subjects that will be covered in the exam. The video references this outline as the basis for the exam's chapter breakdowns, showing its importance in directing study efforts toward relevant subjects.

💡Provisions

Provisions in the video refer to the specific terms and conditions of an insurance policy. The script emphasizes the significance of provisions, particularly life and health provisions, as they constitute a substantial portion of the exam and often overlap, making them a focal point for study.

💡Types of life and health policies

This keyword encompasses the various kinds of insurance policies, such as term, whole life, HMOs, and PPOs. The video script discusses these types as they are tested in the exam, with a specific focus on understanding the differences between them, which is essential for insurance agents to advise clients appropriately.

💡Chapter breakdown

The chapter breakdown is a detailed outline of the exam's content areas and their respective weights in the test. The video uses the chapter breakdown to guide viewers on which sections to focus on, such as completing the application, underwriting, and policy provisions, to strategically pass the exam.

💡Passing threshold

The passing threshold is the minimum score required to pass the exam. The video clarifies that candidates need to answer 70 out of 130 scored questions correctly, which is a key piece of information for exam preparation and helps set realistic goals for study and performance on the test.

💡Test-taking strategy

Test-taking strategy in the video refers to the approach and techniques used by candidates to navigate and answer questions on the exam effectively. The speaker advises treating all questions as scored, not to assume a question is wrong if unsure, and to maintain a positive attitude, which are all part of a broader strategy for exam success.

💡State regulations

State regulations are the rules and laws governing the insurance industry at the state level. The video mentions the importance of understanding state-specific regulations, particularly for Texas, which is relevant for the exam and for insurance agents operating within the state's jurisdiction.

Highlights

The Texas life and health exam has 150 questions, but only 130 are scored, with 20 being pre-test questions that don't count for or against the examinee.

To pass, you need to score 70%, which is 91 correct answers out of 130, not out of 150.

Examinees should treat all 150 questions as if they are being scored since they won't know which are the pre-test questions.

It's important not to assume you've answered incorrectly if you're unsure—there's a 25% chance of picking the right answer even with uncertainty.

Many students mistakenly believe they've failed because they weren't confident in their answers, but this isn't always the case.

The breakdown of the exam includes chapters like completing the application, underwriting, and delivering the life policy, which make up 16% of the test.

The underwriting process involves assessing the risk of insuring someone, such as their age and health status.

There is significant overlap between life and health insurance concepts, particularly in underwriting and delivering policies.

Term and whole life insurance policies are heavily tested, so focusing on understanding the differences between them is key.

The life and health policy provisions section, making up 14-15% of the exam, overlaps in some areas but has distinct parts for each type of insurance.

Understanding 401k plans and basic retirement concepts can help in the smaller taxes and retirement sections of the exam.

Focusing on major health insurance concepts like HMOs, PPOs, and disability insurance is critical for the health insurance portion of the exam.

Medicare and Medicaid (social insurance) only make up 2% of the exam, so they are less crucial to study in depth.

The Texas-specific laws and regulations are common across multiple insurance exams, so if you've taken other exams, this section will be familiar.

It's possible to pass the exam by focusing on the most heavily tested sections, rather than trying to master every topic, as only a score of 70% is needed.

Transcripts

hello this is Melissa the insurance exam

Queen We are going to go over how to

pass the Texas life and health exam and

um Haley let me know if you have any

questions since you're live here

watching right so this is the breakdown

of the exam so I'm going to zoom in here

real quick

so you have a total of

150 questions but only 130 of them will

actually be scored or counted for and

against you 20 of them are known as

pre-test and what that means is simply

that the test maker I think it's Pearson

in Texas is trying out some test

questions seeing how well people do with

them whatever

the thing is is that you won't know if

they're legitimate test questions or if

they are

actual or if they're fake questions

right the pre-test questions when I say

like fake they're not counting for you

they're or against you they're just

there

but you won't know which ones are which

right so when you sit down and you take

the test you need to treat all 150

questions as a test question but the

good news is only 130 of them are

actually scored

for you or against you what that means

is that you don't need

seven and so you need a 70 to pass right

you don't need 70 out of a hundred and

fifty

you need 70 out of 130 which means

that's only 91 questions correct

so what that means is when you're

sitting there taking the test and you're

going to have this feeling sometimes

like oh my God I don't know the answer

to that one I got that one wrong now

don't assume that you got it wrong just

because you don't know it or you're not

confident in it because there's four

choices you have a 25 chance of picking

the right one

additionally and I've seen this happen

with with students that I've worked with

one-on-one is just because you you don't

feel confident doesn't mean you didn't

pick the right answer I've seen this

happen many times where they'll pick an

answer and they're like oh I got that

one wrong and I'm like no you didn't you

got it right you just didn't feel

confident in your answer but that

doesn't mean you you failed it

automatically so like I had this one

student one time she knew that she could

get like because you could basically out

of 150 you need 91 you can get basically

60 Questions wrong right so she was

marking down every time she thought she

got one wrong and she hit more than the

number for her exam and she thought she

blew it but I'm like but that doesn't

mean they're all wrong like don't assume

you picked the wrong answer just because

you weren't you know you weren't

confident in it and I never encourage

anyone to do that pretend you got it

right like just feel good about it like

I'm not confident about this but let's

just go and see that one feels good

right like the more happy and excited

your energy is the the better it serves

you

um

so anyway when you get that feeling

though don't you you you have so many

that you can get wrong you have almost

60 questions that you can get wrong and

still pull off a pass so my points in

saying this is don't allow that feeling

to make you think you're failing

know that you have a lot of wiggle room

and that it's okay okay but you'll treat

every question as a test question

because you don't know which ones are

scored and which ones are not they um

they don't always tell you they just

give you all you know 150 questions

now the next part of this is showing us

the

um I don't know how I can move how do I

move around in this thing it's not

letting me move

the next part of this is showing us

um what is

uh there we go what is the test going to

be on what is it going to cover because

it's not just a random

um you know 150 questions they're coming

from something specific

so these are the chapter breakdowns and

when we say chapter your webce ad Banker

Kaplan exam FX whatever may have

different chapter titles but this is

coming directly from the state content

outline

and the the whatever the state said we

want you know these Concepts tested

so completing the application

underwriting and delivering the life

policy this is all about you as the

insurance agent sitting down taking uh

doing an application with the customer

going over their medical questions

getting information about them

underwriting is all about the risk

selection process you're looking at how

risky this person is if they're older

they're more like thinking about life

insurance if they're older they're more

likely to die

if they are younger they're less likely

to die if they already have health

issues you know that's a problem so that

that comes into the underwriting and

then you have delivering the life policy

and that's you as the insurance agent so

you fill out the application with them

you send it to underwriting where they

make the decision if we're going to

insure this person or not and then if

they say yes then they deliver the

policy to uh you they give it back to

you as the agent you go to deliver it to

the customer

you review the policy for them and you

make sure that they um you know

understand the policy that that you

review any changes with them or whatever

so that's that chapter and it's going to

come at nine percent of the exam now

what's really cool is completing the app

is essentially the same as field

underwriting so this this is on the life

side and this is on the health side but

the application underwriting process in

delivering the policy are the same it's

not really different between life and

health so what's really cool is when

you're studying this nine percent you're

also studying this seven percent which

makes these two policy which makes these

two ones for you really important

um chapter that yellow car that red kind

of removes the name but these are two

really important chapters because the

the total of that nine plus seven was at

16 so 16 out of 150

so you have 150 times 0.16 no wait I did

that wrong 150 times

1 6. that's 24 questions and you need 90

of them correct so 24 out of 90 is

pretty that's a pretty decently sized

chunk

um and every everything that you're

learning and completing the app goes

right into field underwriting so I like

to call those like double double dipping

chapters and we'll be um

I don't know if I have that on the thing

today but I certainly have a video of it

in the silver package um so you you have

that available to you I forget what our

schedule is my the schedule I wanted to

make today was very heavy on Provisions

because I tend to

um run out of time and Provisions you

see here is life insurance policy

Provisions 14 and health Provisions 15

and these can overlap quite a bit so

that's why I wanted to make sure I

heavily focus on Provisions today during

the the boot camp

so

um now next up you have types of life

this is this is the policy this is

talking about the actual policies like

term policies Whole Life policies

Universal policies variable policies etc

etc

um and that makes up nine percent of the

exam which is actually relatively small

considering all the things that they

test you on if this is a life exam but

technically the Life policies themselves

only make up

um nine percent now of all the different

types of Life given my experience with

teaching this material and having people

pass the exam and passing the exams

myself they heavily focus on term versus

whole so there is universal there is

variable there are other types of life

insurance but the two heavy ones if you

know term versus whole you're going to

be able to get a big chunk of those um

questions correct so what types of Life

focus on term versus versus whole and I

like to say that that's like a a me

medium based where red is like stop

spend a lot of time there study that

chapter really well a yellow chapter I

would say is more like you you gotta

like slow down you gotta go you know go

through it spend some time there but you

don't need to be like a super big expert

as long as you're an expert in term

versus whole and you don't worry too

much about Universal variable or all the

other stuff you're gonna You're Gonna Be

Good to grab a lot of points there

then the next step is provisions and

that's what we're actually starting with

this morning in the the boot camp

um with you Hallie or Haley some of you

will be watching this on YouTube when

you're not in the boot camp but always

go to my Facebook group to find out when

we're offering uh boot camps so this one

is going to be a red chapter as well as

um Health Provisions because life

provisions and health Provisions there's

a lot of overlap it's not a hundred

percent the same like completing the app

and field underwriting are pretty much

word for word

um there are a lot more Provisions in

life insurance and then especially with

the options and the writers there's a

lot more here than there is in health

insurance so I would say about half of

this chapter will match the health

Provisions chapter but they will be

extra stuff in the Life provisions and

extra stuff in the health Provisions

that don't double dip so about half of

this will double dip with each other so

life provisions and health Provisions

about half of that will double dip but

you still got to study each one and then

you'll see 14

and 15 those are pretty big pretty big

numbers right so you wanna you wanna

make sure that you know those numbers

really I'm actually gonna

um label these two as well so we can do

the math at the end and you can see how

this all works

because my goal

and I didn't stress this or say this is

that if you focus on the most tested

topics you can pull off a pass you don't

need to know and understand everything

you just need to know the most tested

stuff and be pretty decent you know at

the medium tested stuff like so I'm

going to show to you show you how you

can pull off a pass by focusing on just

specific chapters

all right so then you have taxes

retirement and other insurance Concepts

at six percent now six percent is still

a pretty decent number but the

information inside taxes retirement is a

lot and it can be difficult for people

to understand it and to truly grasp all

the concepts because it's like if this

then that so then there and it's like

you gotta know a lot to understand now

if you do have any working knowledge of

like 401ks like if you've ever had a job

that has a 401k there's going to be 401K

stuff in there so

um that you know if you know anything

about that that's helpful but I usually

will tell people not to worry too much

about taxes and retirement so that to me

is more like a like a green chapter

where you just go on past it because

it's it can really stress you out and

it's like I like to tell people it's not

really worth their brain space now other

insurance Concepts is is will also have

taxes in it as well

um so like a lot of these like just like

completing the app and field

underwriting are the same life

Provisions Health Provisions they're

kind of similar

um taxes retirement is a little similar

to other health Concepts in that it has

taxes as well but you can see that

that's three percent

so we're going to treat that one as a

green chapter where you can just move on

through it don't worry too much about it

then you have types of Health policies

now this one's 11 you do want to be um

better at this one so uh it's because

it's a decently sized chunk so types of

Health you want to be at about that's a

red chapter you want to slow down take

your time you know study that one now

with this one it's going to be loaded

with all kinds of stuff it's going to

have major medical expense policies like

hmos ppos it's gonna have um disability

policies

um but it's got it's limited policies

short-term policies it's got all

basically every type of Health policy in

it the main focus for types of health is

going to be hmos ppos and disability

insurance

so hmos ppos and disability and we're

going to talk all about that tomorrow in

our health boot camp because today is

focused on life but I'm going over this

for you since you're taking both tests

so

um types of life hmos ppos or types of

Health sorry hmos ppos and disability if

you focus on those then you you can do

pretty well in that chapter now I know

it's a red chapter but it will be hard

to get all the questions correct in

there because it's such a big chapter

there's a lot of information in there

you're looking at probably 60 Pages

worth of studying for that 11

but you still want it's still a decently

sized chapter so you want to spend a

good amount of time there but it kind of

wanes between it's kind of like types of

life where it's like just focus on Turn

versus whole just focus on HMO PPO and

disability so it's it's kind of like an

orangey chapter where it's a little bit

yellow a little bit red like don't

bypass it but don't try AI to stress

yourself remembering everything

then you have social insurance now this

is Medicare

um Medicaid you don't need to really

know that see it's only two percent

um it's not really worth your time to

try and memorize all the different parts

of Medicare and things like that which

is only two percent because that's like

literally like four questions

um so that's going to be a kind of a

blow-by chapter it's a green chapter

all right then you have um state law the

first chapter is Texas common to all

lines and this is actually common not

just to life and health but common to

life and health and property casualty so

if you've taken the Property and

Casualty exams before in that state

it'll be the exact same stuff now this

chapter will be

um

this one will be a a yellow chapter just

because there's a lot of information in

there what you want to focus on is what

I go over in my state regulations class

so if you have any of my class series

there is a um state regulations class

that will talk to you about the

Department of Insurance it'll tell you

um you know about the director the

commissioner whatever name he goes by

what is his purpose what does he do and

then I will also highlight for you which

numbers are important to study

um how long your license is good for how

many hours of continuing education do

you need the rules for getting a license

those are the the highly tested topics

among that chapter and then I also

provide you with some hints to um try

and grab as much other because there's a

lot of numbers in that chapter fees and

fines court dates 30 days for this 20

days for that 10 days for this it can be

a lot of information which is is why I

make it yellow because I don't want to

stress you out with trying to remember

everything because it's very numbers

based

but if you have my state regulations

video in any of my class series it will

highlight for you what you need to know

from that chapter to kind of ease your

burden of like studying everything

where do we get the state regulation

class do you have is it do you have

silver

or do you have YouTube

oh I don't know I think I have silver

okay if you have if you have my if you

so if you paid for my classes you should

have silver for life and health

um and it will have estate regulations

video um and even if you why I guess you

studied a while back I don't think you

have my PNC one but the state

regulations is the same like I said

common all lines is the same for for

everything okay I do have a good amount

of YouTube videos on that chapter

um as well too okay

all right now

um what's really cool about these next

two chapters is so you have Texas

statues rules pertinent to life

insurance only so this is where they get

into the nitty-gritty details about life

insurance specifically the rules and

laws but what's really awesome is the

provisions that you learn here will

actually match what you're going to see

down here

so a provision is like a rule for a

policy we do it like this we have it

like this you must do this

so this chapter in Texas is saying we do

it like this it must be like this and

it's you're gonna as you as you go

through the Texas pertinent to life

insurance only you're gonna be like I

feel like I read this before you did in

Provisions it really truly is the same

stuff it's just that Texas is

emphasizing their numbers like because

you can you Provisions are like the free

look period where

the customer receives a policy they can

return it for a full refund if they

don't want it if they decide never mind

I I change my mind on this

um so they can get it returned for a

full refund

um and that's standard 10 days across

the board but some states can say it's

15 days

um you know they can make it longer so

your that chapter will just simply

stress your State numbers but it's

basically just going over provisions

same with the health

um and the health provisions and

um the rules pertinent to access and

health insurance only you're just double

dipping onto those Provisions so these

will end up being read chapters as well

because you're you're not having to

really study them separate you're

studying them alongside provisions and

those are read already

then you have rules pertinent to an HMO

um that's again hmos are going to come

from the types of Health policies so

this is just Texas stressing the rules

that they have for hmos with hmos it's

usually focused on the geographic

boundaries who can join an HMO

um and but it's three percent though so

you don't need to really stress out

about it and so I would make that a

green chapter

so what I want to show you here is how

you can secure a pass so let's say the

red chapters you're you're trying to get

as many points as possible so the goal

here is that you get you know like all

nine percent so let's say you got nine

percent plus and then the yellow

chapters let's see types of life you're

probably going to get somewhere around

closer to six percent

um Provisions you want to get as many as

possible so that's going to be the 14 14

you don't worry at all about taxes so

let's say you get none of that correct

um then you have field underwriting

which is just like completing the app so

you're going to get all seven percent of

that correct then you have types of life

but like I said it's it's like an

orangey chapter where you you got to

spend some time there but don't

overwhelm yourself so let's say you get

somewhere like you know eight eight

percent on that one

then you have your health provisions and

you want to get all of that so that's

going to be 15 percent

then you have your

um social which you don't need to worry

about and your your taxes which you

don't need to to really know about

then you've got your common to all lines

11 you're probably going to get around

like nine nine percent for that one and

then you've got your your

um five percents here

so that's another 10 and that puts you

at 78 and you need

70 to pass so you're already you already

have wiggle room with these most tested

chapters so this is how you're able to

ignore certain things and just super

focus on the most tested chapters and

the ones that double dip a lot and

you're looking at a 78 there is no rule

or worry about getting more than 70.

like if you get just 70 it's still a

pass it doesn't change who will hire you

it doesn't change your potential of

getting a job a pass is a pass is a pass

is a pass so a 70 is just as good as a

100 and by focusing on the most tested

topics you don't overwhelm yourself and

you're actually more likely to pass by

focusing on the most sense of topics

rather than trying to memorize and

understand everything because that's

going to be really hard for people to do

so any questions with that and does that

does that make sense

it makes sense

okay perfect all right so that was how

to study and pass for the Texas

um life and health exam by really

focusing on these red chapters medium

focusing on the yellow chapters

bypassing the green you're looking at a

78 you need 70 to pass so that's more

than enough to get you going

all right so let me go ahead and turn

off the recording where do I oh I lost

my zoom tools

all right