DOES NOT MEET THE CFP BOARD OR CALIFORNIA ETHICS REQUIREMENT. This course will provide an overview of the characteristics of ethics and professionalism. Topics included are the standards by which a professional should be judged and a study of ethics on its philosophical and compliance levels. FL Agents: Eligible License CE9900 Generic Life/Health and Variable | Advanced
Training Topics
- Valuing Professionalism - Standards of Professional Conduct - Understanding Ethics - Compliance and Professionalism - Business Ethics
Dual Credit
Establishing an appropriate asset mix is a dynamic process and it plays a key role in determining a portfolio's overall risk and return. As such, a portfolio's asset mix should reflect the client's goals at any point in time. There are a few different strategies for establishing asset allocations. This course will review the key models and help the financial advisor develop an asset allocation strategy that is appropriate given the individual client's needs. * This course is not Texas classroom equivalent. Florida Agents: Eligible License CE 9901 - Generic Life and General Lines | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 85959
Training Topics
- Assessing Risk Tolerance - Strategic Asset Allocation - Tactical Asset Allocation - Core-Satellite Asset Allocation - Asset Allocation and Annuities - Retirement Asset Allocation - Asset Allocation and Life Insurance
Dual Credit
This course provides a comprehensive overview of Anti-Money Laundering (AML) compliance, detailing its importance, regulatory frameworks, key components, challenges, and emerging trends. It covers foundational principles like Customer Due Diligence (CDD) and Suspicious Activity Reporting (SAR), regulatory standards from bodies like the FATF, and the impact of technologies such as AI and blockchain. Case studies, including the PlusToken Ponzi scheme and one firm's legal challenges, illustrate practical applications and the evolving landscape of AML efforts. The course also emphasizes the need for ongoing education, collaboration, and proactive measures in combating financial crime.
Dual Credit
The CE credits for this course do not apply toward the 4-hour annuity training requirement. Section I Objectives: Explain basic annuity terms, payout options, and benefits; the annuity's role in an aging America; annuity taxation; the three annuity types (fixed, variable, and equity-indexed (EIA)). Section II Objectives: Compare fixed, equity-indexed, and variable annuity features; advantages, disadvantages, and workings of each product type; and, common product features and calculation methods. Section III Objectives: Explore marketing and suitability choices; typical clients for fixed, variable, and equity-indexed annuities; "Annuity Advantage" uses (such as split annuities and control from the grave); legal and ethical considerations when determining suitability. * This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46814
Training Topics
- Basics of Annuities - Fixed - Variable and EIA - Marketing Opportunities - Who is Buying Annuities
Dual Credit
The CE credits for this course do not apply toward 4 hour annuity training requirement. "This course is designed to introduce financial planners and insurance professionals to the world of annuities." It looks at the development and distribution of the product. It differentiates between fixed and variable annuities, immediate and deferred annuities, and flexible and single premium annuities. It also examines the marketing aspects of annuities and how insurers invest in this retirement vehicle; and finally, it examines current and past tax treatment of annuities. * This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 76562
Training Topics
- What are Annuities - How Annuities are Used - Taxation of Annuities - Tax Sheltered Annuities - Variable Annuities - Equity Indexed Annuities - Function and Uses of EIAs - Disadvantages of Annuities - The Financial Strengths of Insurers
The objective of this course is to introduce broker dealer employees to the federal laws and regulations that apply to money laundering, record keeping, and reporting. The course discusses some "red flags" that may indicate potential money laundering activities, as well as the penalties that can be imposed for violating federal money laundering laws. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 9901 - Generic Life and General Lines | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 45999
Training Topics
- Awareness of Anti-Money Laundering Regulations - Areas of Concern - Federal Legislation - Knowing your Customer - Verifying a Customer's Identity - Reporting Requirements - Suspicious Activities - Indicators to Consider
Dual Credit
The objective of this course is to raise the awareness of anti-money laundering regulations so agents have the knowledge to prevent and detect money laundering. This knowledge will help ensure you and your employer do not become involved in investigations or scandals that could harm your reputation or risk your client relationships. After completing this course, agents will be able to understand anti-money laundering regulations including Know Your Customer, recognize suspicious activities, and protect yourself from the consequences of being linked in any way to money-laundering activities. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-16 - Life | Intermediate. IWI Eligible Credit: Taxes & Regulation. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 67594
Training Topics
- History of Anti-Money Laundering Regulations - Understanding Anti-Money Laundering Regulations and your Responsibilities - Reporting Requirements - Case Studies
Dual Credit
This course provides a brief review of the basics of illegal money laundering and the legislative measures adopted to combat money laundering in the US. The course covers requirements for a firm's AML and CIP programs with emphasis on real-world context. The course also discusses red flags that every representative should be aware of in their day-to-day dealings with customers and prospective customers, and with accounts. The course concludes with examples of enforcement cases that reinforce the concepts covered in the text. FL Agents: Eligible License CE 9900 - Generic Life/Health and Variable | Intermediate. *This course is not Texas Classroom Equivalent. FL Agents: Eligible License CE9900 Generic Life/Health/Var - Misc Other Subjects. IWI Eligible Credit: Taxes & Regulation. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 92287
Training Topics
- Money laundering overview - Overview of BSA and AML programs - Overview of CIP programs - CDD Rule - Red flags of possible money laundering - Enforcement cases
Dual Credit
This course is intended for producers and supervisors that market and sell insurance products to consumers. This course provides a detailed review of the basics of disability insurance and addresses concerns related to individuals and businesses. Topics include the need for disability insurance, how the policies work and how they are issued. Broad issues of a policy such as underwriting, defining a disability and riders will be covered. Several case studies provide excellent examples of issuing the most applicable policies. A representative will be provided with advanced sales solutions to help their clients plan a sound future. * This course is not Texas classroom equivalent.
Training Topics
- Disability Income Insurance - Who Needs Disability Income Insurance - What Disability Income Insurance Accomplishes - Benefit Period - Long and Short Term Disability - Trade Associations - Tax Consequences
This course will help the students understand the psychological and financial impact that market volatility has on consumers and on the retirement planning process. It discusses how variable products can provide tools and solutions to mitigate the effects of market uncertainty on retirement portfolios. Asset allocation, dollar cost averaging, guaranteed living benefits and other ideas will be discussed as they relate to long-term retirement planning under all types of market conditions. * This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46032
Training Topics
- Market Uncertainty and Investor Reaction - Long-Term Nature of Variable Annuities - Buy and Hold Strategy - Dollar Cost Averaging - Slit Averaging Strategy - Death Benefit
Dual Credit
This course aims to equip participants with a robust understanding of the group benefits industry, covering a broad spectrum of topics from the evolution of employee group benefits to the latest trends shaping the future of employer and employee offerings. With a focus on real-world applications, regulatory compliance, and strategic planning, learners will gain the tools necessary to navigate the complexities of the field effectively. This course is meticulously designed to cover the essentials of group benefits, delve into specialized topics, and explore the latest trends and innovations. Each chapter stands on its own while interconnecting with others to provide a holistic understanding of the industry.
In offering a look at some of the unique options annuities offer, Equity Indexed Annuities will help financial professionals gain a comfort level when discussing the product with suitable clients. The course also covers the role of fixed annuities in retirement planning as well as a look at the evolution of indexed products. * This course is not Texas classroom equivalent.
Training Topics
- Investment Horizon - Fixed Annuities Features - Participation Rate - Fund Averaging in a Point-to-Point Design - How Design and Features Affect Participation Rate - Buyer Profile - Presenting the Equity Index Annuity to Clients
Dual Credit
Estate planning is the process in which consideration is given to accumulating and allocating income and assets for the purpose of creating a better quality of life for an individual and others during life and for their heirs after death. To achieve the goals sought by estate planning, the accumulation and retention of income and assets must be accomplished by avoiding the severe impact of income, estate and gift taxes, as well as ensuring the desired disposition of assets at death. This course will provide you an understanding of the key components of estate planning to allow you to create the appropriate financial plan for your client. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 9900 - Generic Life/Health and Variable | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 86019
Training Topics
- Value of Estate Planning - The Estate Planning Process - Property Transfers Upon Death - Estate Planning Documents Types of Trust Used in Estate Planning - Estate and Gift Tax Basics Life Insurance and the Estate Plan
Dual Credit
This course compares and contrasts fixed annuities, variable annuities, and mutual funds. It describes each type of product and the reason why people buy them. The course also offers an in-depth analysis of variable annuities and mutual funds including advantages of each and a comparison of performance. This course assumes a basic knowledge of annuities and mutual funds and, as a result, is designated an intermediate difficulty level. FL Agents: Eligible License 9CE 2-14 - Life and Variable Annuity | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 45996
Training Topics
- Investment Safety - Inflation Protection - Marketing Performance - Main Reasons People Buy Mutual Funds - Mutual Fund Advantages - Variable Annuity Advantages
Dual Credit
By taking a look at the roles and rights of the three parties (owner, annuitant and beneficiary) along with some of the major variations found in different annuity contracts, this course covers many important aspects of income planning for heirs. It will also help the financial advisor better understand the various outcomes of the available annuity contracts and recognize the disposition and tax consequences of each scenario. A beginner's prerequisite of the knowledge of annuities designates this course as 'intermediate.' * This course is not Texas classroom equivalent.
Training Topics
- Owner - Annuitant - Beneficiary - Death Benefit - Understanding the Contract - The Income Phase of an Annuity - Fixed Payments - Taxation of Income Payments - Stretch IRA Technique
Dual Credit
The objective of this course is to provide an understanding of the need for planning for retirement income needs as a part of the financial planning process. The topics covered include the need for planning, asset allocation, annuitization, and payout options available. The course concludes with an enumeration of the steps that need to be taken to plan for retirement income, including a detailed case study. * This course is not Texas classroom equivalent.
Training Topics
- Current Market Statistics - Money for Retirement - Future Income Needs - The Time Value of Money - Risk Tolerance - Types of Risk - Measuring Risk - Erosion of Purchasing Power - Tax Traps - Choosing a Type of Payout - Asset Allocation
Dual Credit
This course takes a comprehensive look at life insurance and how it can be a means of attaining financial security during life and after death. It explains the many applications of life insurance products and how their flexibility allows them to cover a wide range of clients' needs. * This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 66885
Training Topics
- Term Insurance - Cash Value Insurance - Endowment Insurance - Health Insurance - Group Insurance - HMOS - Planning for Retirement - Annuities - Long Term Care Insurance - Estate Planning Tools - Common Riders - Paying for College - Wills, Probate and Trusts
This course is intended for registered representatives involved in the recommendation, sale, and/or servicing of annuity products, as well as for supervisors of such representatives. This course discusses types of annuities, their benefits and risks, the importance of understanding ownership structures, and the requirements under Regulation Best Interest (Reg BI) to ensure compliant and suitable recommendations that are in the best interest of clients.
Training Topics
annuities registered representatives risks benefits Regulation Best Interest ownership structures compliance
Dual Credit
In 2011 the Baby Boomer Generation began turning 65. Those who have not reached this hallmark age are all in their 50s. This generation is the largest of the U.S. population. The growth of this senior population is unlike anything our country has seen. Unfortunately, it is going to come at great expense. The purpose of senior needs planning is to identify and fund a specific and comfortable amount of net annual retirement income. This course is designed to help financial professionals understand the various risks and challenges today's retirees face and teaches you how to develop a plan for your clients so they may sustain their lifestyles throughout retirement. Due to the prerequisite of a thorough understanding of all available investment vehicles, this course is designated as Intermediate *This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-18 - Life and Health | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 83757
Training Topics
- Retirement Income Needs - Minding the Gap - Reverse Mortgage - Inflation - Annuity Payout Options - Paying Current Tax on Your Lump-Sum Payment - Questions about Distributions - Tax on Early Distributions from Retirement Plans, other than IRAs - Settlement Options, Annuities - Premiums - Social Security - Healthcare Needs - Legal Protection
Dual Credit
This course provides an understanding of the concepts of asset allocation and its importance in financial planning. The topics covered include the definitions of asset allocation and asset classes, the concepts of risk and how they relate to the asset allocation process, and a discussion of the client information that is needed to properly allocate the client assets.
Training Topics
- Value-at-Risk - Volatility & Standard Deviation - Correlation - Diversification - Reduction of Portfolio Risk - Value of Diversification - Investor Objectives - Liquidity - Risk Tolerance - Indifference Curve - Time Horizon
Dual Credit
This course will familiarize the participant with the growing financial needs of retirement and the need for saving and investing for retirement. Subjects in the course include calculating income needs for retirees, future value of money and retirement spending. The participant will learn about different sources of retirement income including fixed and variable annuities in addition to various types of retirement income savings tools. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-16 - Life | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46037
Training Topics
- How Much Money Will You Need at Retirement - Future Income Need - The Time Value of Money - Expenses - Early Retirement - Social Security - Employer Sponsored Retirement Plans - Self-Employed Retirement Plans - Education Plans
Dual Credit
This course is intended for registered representatives and supervisors working in the business of providing investment advice to clients, specifically those involved with the sale of products, the servicing of these products, or providing recommendations or guidance to clients setting money aside for college tuition. This course begins by reviewing current college tuition costs and the increases that are being forecast for the future. The course then discusses the growth that has been seen in Section 529 Plans since their inception and explores the multitude of options available for investors to save for college. The final section of the course provides representatives with an overview of Section 529 Plans and IRC taxation rules. This course aims to educate representatives on the importance of saving for college tuition and the role that 529 plans can have in preparing for the expense of college. The topics covered include the benefits of utilizing 529 plans and the regulations involved with the plans. The variations among states regarding features, limits, and options are also covered.
Training Topics
- Current College Costs - Estimated Future College Costs - Rising Tuition Costs and Student Loans - Inadequate Savings - Growth in Section 529 Plans - Comparing Other Savings Options - Overview of Section 529 Plans - How to Establish an Account - 529 Taxation - Contribution Limits
Dual Credit
This course is designed to explore the relationship between Social Security benefits that are available to workers and their families and retirement planning. The understanding of retirement at the center of our discussion will be the same as what is typically understood by retirement when business owners engage in buy-sell and business succession planning discussions. The course will begin with an exploration of background information, the purpose of which is to shed light on the history of social welfare efforts that led, both directly and indirectly to the enactment of the Social Security Act. This will provide a broad context in which to consider Social Security in the discussions of the three major benefits most closely and almost universally associated with Social Security: Social Security Disability income Benefits, Social Security Retirement Income Benefits, and Medicare. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 118729
Most people want to continue to live in retirement as they did while working. Long-term financial and retirement security is a work in progress. This course will provide a holistic view of retirement planning as a lifelong pursuit for clients and the strategies, techniques and products available to make this a successful endeavor. It begins with what individuals can do to plan for retirement outside of their employment, followed by planning opportunities within their employment, as well as opportunities for those who might also be business owners. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 115261
This course is intended for annuity licensed registered representatives who may recommend annuity products, and the registered principals who supervise them. FL Agents: Eligible License CE 9900 - Generic Life/Health and Variable | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 93925
Training Topics
- Introduction - What is an Equity Indexed Annuity? - How Interest is Credited to the EIA - The Role of Indexed Annuities in Retirement Planning - EIA Suitability Considerations - EIA Enforcement Action Examples
Dual Credit
If you complete this course for Nebraska CE Credit: You may only receive credit for one of Quest's suitability courses per compliance period. We will consider the foundation for suitability (NASD Rule 2310) with respect to its admonition to know the customer and the product. In addition, we will briefly discuss the general characteristics of the various classes of investment products. Following the brief introduction to suitability, the course will focus on the special suitability issues that apply to variable annuities. *This course is not eligible for state annuity credit FL Agents: Eligible License CE 2-19 - Variable Annuity | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46040
Training Topics
- Financial Status - Investment Objectives - Obtaining Customer Information - Cash and Cash Equivalents - Debt Investments - Equity Investments - FINRA Guidelines for Variable Contract Suitability Issues - Variable Annuity Phases - Decisional Factors in Variable Annuity Suitability
Dual Credit
If you complete this course for Nebraska CE Credit: You may only receive credit for one of Quest's suitability courses per compliance period. We will consider the foundation for suitability (NASD Rule 2310) with respect to its admonition to know the customer and the product. In addition, we will briefly discuss the general characteristics of the various classes of investment products. At the conclusion of the course, the registered representative will have a basic understanding of variable products and the factors that need to be considered in their suitable recommendation. FL Agents: Eligible License CE 2-16 - Life | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46041
Training Topics
- Tax Status - Investment Objectives - Obtaining Customer Information, Cash and Cash Equivalents - Debt Investment - Equity Investment - Special Issues - Notice to Members 96-86 - Notice to Members 99-35 - Notice to Members 00-44 - Accumulation Phase - Decisional Factors in Variable Life Insurance Suitability
Dual Credit
If you complete this course for Nebraska CE Credit: You may only receive credit for one of Quest's suitability courses per compliance period. We will consider the foundation for suitability (FINRA Rule 2111) with respect to its admonition to know the customer and the product. In addition, we will briefly discuss the general characteristics of the various classes of investment products. Following the brief introduction to suitability, the course will focus on the special suitability issues that apply to variable life insurance. At the conclusion, the registered representative will have a basic understanding of variable products and the factors that need to be considered in its suitable recommendation. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-14 - Life and Variable Annuity | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46042
Training Topics
- Financial Status - Investment Objectives - Obtaining Customer Information - Cash and Cash Equivalents - Debt Investments - Stock Investments - Notice to Members 96-86 - Notice to Members 99-35 - Notice to Members 00-44 - Decisional Factors in Variable Product Suitability
Dual Credit
An in-depth look at the structure of variable annuities and a balanced discussion of the common media comments surrounding them such as "too expensive", "death benefit not useful", "not suitable for IRAs and qualified plans" and "no tax advantages over mutual funds." In addition, this course describes the structure of variable annuities and gives additional retirement planning uses for variable annuities such as decreasing the impact of the Social Security benefit tax and utilizing variable annuities in charitable remainder trusts and NIMCRUTS. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-14 - Life and Variable Annuity | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 45997
Training Topics
- What is a Variable Annuity - Features of Variable Annuities - What is a Mutual Fund - Common Elements of Both Variable Annuities and Mutual Funds - Variable Annuity Fees - Investor Retirement Planning Needs
Dual Credit
This course consists of four primary topics relating to the design and structure of an annuity. The subjects covered include the parties to the annuity contract, the contract provisions, benefit payments and owner-driven versus annuity-driven contracts. * This course is not Texas classroom equivalent. FL Agents: Eligible License CE 2-14 - Life and Variable Annuity | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46043
Training Topics
- Saving for Retirement - Advantages of Fixed Annuities - Advantages of Variable Annuities - Contract Structuring Considerations - Characteristics of Contract Owner - Annuitant - Beneficiary - Annuitization - Variable Annuity Taxation - Required Distribution at Owner's Death - Guaranteed Death Benefit - Withdrawals and Distributions - Estate Taxation
Dual Credit
The connection between IRAs and insurance may not seem obvious and some may believe that IRAs have nothing to do with insurance. In fact, the majority of annuity assets, which are insurance products, are held as IRAs and there is even a section of the tax code specific to IRA annuities. For insurance professionals, it is essential that they understand the rules around IRA annuities when considering them or positioning them for a client. This course examines the rules governing annuities when owned through traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLEs. With respect to traditional IRA annuities, the course considers the issues of eligibility, contribution limits, and how annuities are held. Tax treatment of traditional IRA annuity funds is discussed, including the treatment of contributions, accumulations, transfers, and distributions. The premature distribution penalties and its exceptions are addressed. Roth IRA annuities, created by TRA'97, are discussed, including eligibility, contribution limits, and distributions. Conversions from traditional to Roth IRAs are examined and the tax consequences are discussed. The increased limits authorized by the Economic Growth and Tax Relief Reconciliation Act of 2001 are addressed and the age 50+ catch-up provisions are explained.
Training Topics
IRAs, annuity funds, eligibility, contribution limits, insurance
As an investment professional, Individual Retirement Accounts (IRAs) are a natural place to start helping your clients with retirement planning. The IRA is a powerful tax-advantaged investing tool that helps clients retire in dignity. There are several types of IRAs as of 2020: traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs. This series gives you a better understanding of IRA types and some of the decisions your clients may face in planning for retirement. This course is not Texas classroom equivalent. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 61675
This course is intended for registered representatives involved in the recommendation, sale and/or servicing of annuity products, and for supervisors of such representatives. This course discusses types of annuities, their benefits and risks, suitability considerations, and the importance of understanding ownership structures. *This course is not Texas Classroom Equivalent. FL Agents: Eligible License 9900 - Generic Life/Health/Variable - Misc Subjects | Intermediate. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 92563
Training Topics
- What is an annuity - Types of annuities: fixed/variable/indexed; immediate/deferred; single premium/multiple premium; fixed payout/lifetime payout - Why annuities are used to retirement planning - Parties to the annuity contract and the importance of ownership structure in financial planning - Risks of annuities, and the importance of determining customer suitability
Dual Credit
This course examines the conditions (economic, legislative and other) that gave impetus to the development of the variable universal life (VUL) products. It also discusses the ways in which it is similar to and different from variable life and universal life insurance. Finally, and most importantly, we will look closely at the features of the product. FL Agents: Eligible License CE 2-16 - Life | Advanced. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit. Course ID: 46044
Training Topics
- Factors Stimulating Development - Universal Life Similarities - Variable Life Similarities - Insurance Charges - Policyowner Rights - Policyowner Cash Access - VA, VLI, and VUL Compared - Riders - Variable Subaccount Options - FINRA Guidance - Identifying Suitable VUL Customers
Dual Credit
Building from Variable Universal Life Insurance I that variable universal life insurance (VUL) combines the flexibility of universal life insurance (UL) with the policyowner ability to direct the investment of cash values that is a hallmark of variable life insurance (VLI). * This course is not Texas classroom equivalent.
Training Topics
- The VUL Product - VUL Investment - Managing VUL Subaccount Volatility - Premium and Cash Value Tax Treatment - Cash Value Access - Benefits Paid at Death - Modified Endowment Contracts - Suitability - FINRA Guidance - Personal Market Applications - Business Market Applications
Dual Credit
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