I have talked with many people on the street about the new national test. I am hearing that more than 60% of the people taking it are not passing it even though they are seasoned mortgage professionals. Most of the comments I'm hearing are that about 35% of the test is on Federal regulations and obscure facts about the regulations. If you you have taken the test, tell us what was on it that surprised you or you had difficulty with and what you would do to prepare better for it. I would also like get your opinion as to whether your 20 hours of required education prepared you for the test or not, who you took it from, and what did you pay for it. I am amazed at the pricing differences between firms and quality of material I am seeing out there. If we all work together on this, we can spend our money only on companies that prepare us properly and pass the test the first time so we can get on with our lives.