Module 2.1 page 22 Back end ratio homeowners..."....clients with an FHA loan or Energy Efficiency Mortgage loan are 43% and 45% respectively." Now I flip the page to #24 and under Results...."...if Stella were to purchase the townhome, her back-end ratio would be 45.4%. wjocj exceeds the qualifying FHA limit of 41%." Choose one...it is either 41% or 43%. Module 2.2 page 10, knowledge check 1. There is no right answer for 4. Now logically because #s 1, 2, & 3 are assigned a correct answer # 4 would have to be B...however, USDA Credit Scores are 620 NOT 600. FHA goes to 580 or lower...So not only is the graph you created on page 15 in error but you are carrying that erroneous information into your questions. Please stop! Please correct! Again, how are we supposed to be confident that the questions you pose in the certification exam have answers that are correct. How do we know that you haven't carelessly used an erroneous answer as the correct answer....very scary considering our careers rely on you being correct and as I have already pointed out...you are not.