I do. I just took the level II Chartered Financial Analyst examination. It's given to people in the investment analysis industry. It's like a self study MBA for investment professionals. Every year on the first weekend in June, they give the examination to over 100,000 people worldwide. There are three levels. I passed level I in 2001 and took level II last year (and failed). Level II is suppose to be the backbreaking "hump" level for candidates. Pass rates hover around 50% for level I, 48% for level II and go up to 65-70% for level III. I just spent 4 months, studying almost every day...approximately 20 hours a week to take a test in which I felt like I got my ass kicked. Funny, but a friend of mine who has passed all three exams said that everyone is in the same boat as me and every time he passed an exam, he walked out of the test center assured he had failed. Worst part? I have to wait until mid-August to find out the results because it's an essay examination. Best part? I can go back to using my HT again! It just never seems that they test the stuff I am very strong on and always decide to present some part of the material that I am weak in, or haven't recently looked at. Damn!