do you know that in module 2.2 guide the graph on page 15 has an error in it? Fact is FHA fixed rate has a credit score requirement of 580+ where as USDA rural development is 620+. You have them reversed. Instead of waiting for a date to correct errors of this type you should have an "update to guidebooks" page where you address this erroneous crap immediately. We're trying to study for an exam here...with a practice test that provides vague questions and no way of knowing what is right and what is wrong....You could help us out a little.