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For the past few years, the pass rate for the first 2 levels has hovered around 44%, and the rate for Level 3 has to do with 55%. Just about 10% of prospects pass all 3 exam levels on their first try. Typical wisdom states you require to invest at least 300 hours studying, and this is extremely tough for candidates with families and full-time job

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held to maturity vs available for sale
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