https://www.estatepass.ai/real-estate-exam-questions/land-use-controls/a-property-surveyed-and-found-to-extend-over-a-neighbor-s-boundary/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q106.jpg?v=3 A property surveyed and found to extend over a neighbor's boundary line has created a/an: An encroachment is an unauthorized physical intrusion of a structure (fence, eave, driveway) onto adjoining property. Common trap: students call it an easement; an easement is a legal RIGHT to use, while an encroachment is a wrongful intrusion. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q106.mp4 37 2026-06-15T08:23:07.237Z yes no no EstatePass Education real estate exam real estate license land use controls exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/practice-of-real-estate/which-of-the-following-is-personal-property/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q89.jpg?v=3 Which of the following is personal property? Emblements — annual crops produced by labor (corn, wheat) — are treated as personal property even while attached to the land. Built-in appliances, timber, and pools are fixtures (real property). Common trap: students think anything attached to land is real property; emblements are an exception. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q89.mp4 34 2026-06-15T08:20:57.671Z yes no no EstatePass Education real estate exam real estate license practice of real estate exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/real-estate-math/the-amount-of-land-in-a-parcel-described-as-the-nw-1-4-of-the-sw-1-4/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q76.jpg?v=3 The amount of land in a parcel described as the "NW 1/4 of the SW 1/4 of Section 12" is: A section is 640 acres. 1/4 of 1/4 = 640 × 1/4 × 1/4 = 40 acres. Common trap: students multiply only once (160 acres) or forget a section contains 640 acres. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q76.mp4 31 2026-06-15T08:19:02.267Z yes no no EstatePass Education real estate exam real estate license real estate math exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/transfer-of-title/a-cooperative-co-op-owner-holds/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q72.jpg?v=3 A cooperative (co-op) owner holds: A co-op owner buys SHARES in the corporation that owns the building and receives a proprietary lease for their unit — they own personal property (stock), not real estate. Common trap: students think co-op owners hold real property title like condo owners; co-op ownership is stock + lease. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q72.mp4 25 2026-06-15T08:18:32.261Z yes no no EstatePass Education real estate exam real estate license transfer of title exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/financing/a-condominium-owner-owns/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q31.jpg?v=3 A condominium owner owns: A condo owner holds their individual unit in fee simple plus an undivided tenancy-in-common interest in the common areas. Owning stock + a proprietary lease describes a CO-OP. Common trap: students confuse condo ownership (real property + TIC common areas) with co-op ownership (stock + lease). https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/v4-q31.mp4 32 2026-06-15T08:13:01.413Z yes no no EstatePass Education real estate exam real estate license real estate financing exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/valuation/an-example-of-functional-obsolescence-is/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/core-q2495.jpg?v=3 An example of functional obsolescence is: Functional obsolescence is a loss in value due to outdated design or features within the property, such as outdated plumbing, poor floor plan, or inadequate electrical systems. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/core-q2495.mp4 26 2026-06-15T08:08:50.682Z yes no no EstatePass Education real estate exam real estate license valuation & appraisal exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/contracts/the-term-realtor-denotes/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/core-q675.jpg?v=3 The term “Realtor” denotes: Realtor is a trademark for members of the National Association of Realtors (NAR). https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/core-q675.mp4 26 2026-06-15T07:59:13.546Z yes no no EstatePass Education real estate exam real estate license contracts exam prep study guide https://www.estatepass.ai/real-estate-exam-questions/agency/recovery-trust-account-payments-max-per-transaction/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/core-q197.jpg?v=3 Recovery Trust Account payments max per transaction: The Texas Recovery Trust Account pays maximum $50,000 per transaction and $100,000 per licensee. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/qa-series/core-q197.mp4 34 2026-06-15T07:56:02.558Z yes no no EstatePass Education real estate exam real estate license agency law exam prep study guide https://www.estatepass.ai/courses/mlo/videos/federal-laws-respa/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-respa.webp RESPA: Reg X Essentials — MLO exam video lesson Apply Section 8 kickback rules, the $50 gift cap logic, and escrow/servicing disclosures. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-respa.mp4 2026-08-26T07:24:52.362Z 344 https://www.estatepass.ai/courses/mlo/videos/federal-laws-tila/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-tila.webp TILA & Reg Z Fundamentals — MLO exam video lesson Compute what goes into the finance charge and APR, and apply the right-of-rescission clock. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-tila.mp4 2026-08-26T07:24:52.362Z 338 https://www.estatepass.ai/courses/mlo/videos/federal-laws-trid/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-trid.webp TRID: LE & CD Timing — MLO exam video lesson Run the 3-day Loan Estimate, 7-day waiting, 3-day Closing Disclosure clocks and tolerance buckets. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-trid.mp4 2026-08-26T07:24:52.362Z 341 https://www.estatepass.ai/courses/mlo/videos/federal-laws-ecoa/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-ecoa.webp ECOA & Reg B — MLO exam video lesson Name every protected class, the 30-day notice rules, and what may never be asked. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-ecoa.mp4 2026-08-26T07:24:52.362Z 358 https://www.estatepass.ai/courses/mlo/videos/federal-laws-hmda-fcra/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-hmda-fcra.webp HMDA, FCRA & FACTA — MLO exam video lesson Cover LAR reporting purposes, adverse-action duties, and red-flag identity rules. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-hmda-fcra.mp4 2026-08-26T07:24:52.362Z 350 https://www.estatepass.ai/courses/mlo/videos/federal-laws-glba-privacy/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-glba-privacy.webp GLBA Privacy & Safeguards — MLO exam video lesson Apply privacy notices, opt-outs and the Safeguards Rule to borrower data. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-glba-privacy.mp4 2026-08-26T07:24:52.362Z 374 https://www.estatepass.ai/courses/mlo/videos/federal-laws-safe-act/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-safe-act.webp The SAFE Act & Licensing — MLO exam video lesson Know MLO licensing triggers, unique identifier rules, and the 20-hour/8-hour education math. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-safe-act.mp4 2026-08-26T07:24:52.362Z 376 https://www.estatepass.ai/courses/mlo/videos/federal-laws-hpml-hoepa/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-hpml-hoepa.webp HPML, HOEPA & ATR/QM — MLO exam video lesson Separate high-priced from high-cost loans and apply ability-to-repay and QM tests. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-federal-laws-hpml-hoepa.mp4 2026-08-26T07:24:52.362Z 368 https://www.estatepass.ai/courses/mlo/videos/mortgage-knowledge-loan-programs/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-loan-programs.webp Conventional, FHA, VA & USDA — MLO exam video lesson Match borrower scenarios to the right program: down payment, MI, eligibility, limits. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-loan-programs.mp4 2026-08-26T07:24:52.362Z 360 https://www.estatepass.ai/courses/mlo/videos/mortgage-knowledge-arm-mechanics/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-arm-mechanics.webp ARMs: Index, Margin & Caps — MLO exam video lesson Compute a fully indexed rate and apply initial/periodic/lifetime caps. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-arm-mechanics.mp4 2026-08-26T07:24:52.362Z 341 https://www.estatepass.ai/courses/mlo/videos/mortgage-knowledge-mortgage-insurance/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-mortgage-insurance.webp PMI, MIP & Guarantees — MLO exam video lesson Contrast PMI cancellation rules with FHA MIP and VA funding fees. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-mortgage-insurance.mp4 2026-08-26T07:24:52.362Z 356 https://www.estatepass.ai/courses/mlo/videos/mortgage-knowledge-products-terms/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-products-terms.webp Products & Amortization — MLO exam video lesson Distinguish fixed, balloon, interest-only, reverse and construction loans and their amortization. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-products-terms.mp4 2026-08-26T07:24:52.362Z 359 https://www.estatepass.ai/courses/mlo/videos/mortgage-knowledge-note-security/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-note-security.webp The Note & Security Instrument — MLO exam video lesson Separate the promise to pay from the lien, and lien theory from title theory states. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-mortgage-knowledge-note-security.mp4 2026-08-26T07:24:52.362Z 338 https://www.estatepass.ai/courses/mlo/videos/origination-application-1003/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-application-1003.webp The 1003 Application — MLO exam video lesson Collect a complete URLA and know what makes an application "complete" under TRID. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-application-1003.mp4 2026-08-26T07:24:52.362Z 348 https://www.estatepass.ai/courses/mlo/videos/origination-qualification-ratios/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-qualification-ratios.webp DTI, LTV & Qualification Math — MLO exam video lesson Compute front/back DTI, LTV/CLTV, and qualifying income from paystubs to self-employment. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-qualification-ratios.mp4 2026-08-26T07:24:52.362Z 361 https://www.estatepass.ai/courses/mlo/videos/origination-income-analysis/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-income-analysis.webp Income & Asset Analysis — MLO exam video lesson Average variable income correctly and source large deposits and gift funds. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-income-analysis.mp4 2026-08-26T07:24:52.362Z 352 https://www.estatepass.ai/courses/mlo/videos/origination-credit-underwriting/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-credit-underwriting.webp Credit & Underwriting — MLO exam video lesson Read tradelines, derogatory events and waiting periods after BK/foreclosure. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-credit-underwriting.mp4 2026-08-26T07:24:52.362Z 358 https://www.estatepass.ai/courses/mlo/videos/origination-fees-worksheet/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-fees-worksheet.webp Rates, Points & Fees — MLO exam video lesson Price the loan: discount points, lender credits, buydowns and per-diem interest. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-origination-fees-worksheet.mp4 2026-08-26T07:24:52.362Z 345 https://www.estatepass.ai/courses/mlo/videos/ethics-fraud-fraud-schemes/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-ethics-fraud-fraud-schemes.webp Fraud for Housing vs Profit — MLO exam video lesson Recognize occupancy fraud, straw buyers, flipping schemes and air loans. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-ethics-fraud-fraud-schemes.mp4 2026-08-26T07:24:52.362Z 360 https://www.estatepass.ai/courses/mlo/videos/uniform-state-mlo-conduct/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-uniform-state-mlo-conduct.webp Prohibited Conduct & Records — MLO exam video lesson Apply advertising file, record-retention and surety-bond duties, and the prohibited-conduct list. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/mortgage-uniform-state-mlo-conduct.mp4 2026-08-26T07:24:52.362Z 358 https://www.estatepass.ai/courses/appraiser/videos/uspap-std-1-2/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-uspap-std-1-2.webp Standards 1 & 2 — Appraiser exam video lesson Separate development (Std 1) from reporting (Std 2) and what each one demands. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-uspap-std-1-2.mp4 2026-08-26T07:24:51.919Z 358 https://www.estatepass.ai/courses/appraiser/videos/uspap-ethics-rule/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-uspap-ethics-rule.webp The Ethics Rule — Appraiser exam video lesson Apply conduct, management and confidentiality — including what a client may never buy. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-uspap-ethics-rule.mp4 2026-08-26T07:24:51.919Z 353 https://www.estatepass.ai/courses/appraiser/videos/uspap-assignment-conditions/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-uspap-assignment-conditions.webp Hypotheticals & Extraordinary Assumptions — Appraiser exam video lesson Tell a hypothetical condition from an extraordinary assumption and disclose each correctly. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-uspap-assignment-conditions.mp4 2026-08-26T07:24:51.919Z 358 https://www.estatepass.ai/courses/appraiser/videos/property-description-rights-encumbrances/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-property-description-rights-encumbrances.webp Rights, Estates & Encumbrances — Appraiser exam video lesson Sort fee simple, life estates, easements and liens — the bundle of rights on the exam. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-property-description-rights-encumbrances.mp4 2026-08-26T07:24:51.919Z 347 https://www.estatepass.ai/courses/appraiser/videos/property-description-zoning-hbu/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-property-description-zoning-hbu.webp Zoning & Highest and Best Use — Appraiser exam video lesson Run the four HBU tests in order and handle legal nonconforming uses. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-property-description-zoning-hbu.mp4 2026-08-26T07:24:51.919Z 361 https://www.estatepass.ai/courses/appraiser/videos/property-description-measurement-gla/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-property-description-measurement-gla.webp Measurement & GLA — Appraiser exam video lesson Compute GLA to standard: above grade only, measured to the exterior, basements excluded. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-property-description-measurement-gla.mp4 2026-08-26T07:24:51.919Z 347 https://www.estatepass.ai/courses/appraiser/videos/real-estate-market-economic-principles/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-real-estate-market-economic-principles.webp The Economic Principles — Appraiser exam video lesson Apply substitution, anticipation, contribution and conformity — the why behind every approach. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-real-estate-market-economic-principles.mp4 2026-08-26T07:24:51.919Z 356 https://www.estatepass.ai/courses/appraiser/videos/real-estate-market-market-conditions/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-real-estate-market-market-conditions.webp Time Adjustments — Appraiser exam video lesson Extract market-conditions adjustments from paired sales and resale data. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-real-estate-market-market-conditions.mp4 2026-08-26T07:24:51.919Z 344 https://www.estatepass.ai/courses/appraiser/videos/sales-comparison-approach-comp-selection/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-sales-comparison-approach-comp-selection.webp Selecting & Verifying Comps — Appraiser exam video lesson Choose comparables by competitiveness, then verify facts with a party to the sale. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-sales-comparison-approach-comp-selection.mp4 2026-08-26T07:24:51.919Z 350 https://www.estatepass.ai/courses/appraiser/videos/sales-comparison-approach-adjustment-mechanics/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-sales-comparison-approach-adjustment-mechanics.webp Adjustment Sequence & Mechanics — Appraiser exam video lesson Adjust the comp toward the subject, in the required order, watching net/gross ratios. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-sales-comparison-approach-adjustment-mechanics.mp4 2026-08-26T07:24:51.919Z 349 https://www.estatepass.ai/courses/appraiser/videos/sales-comparison-approach-paired-data/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-sales-comparison-approach-paired-data.webp Paired Data Analysis — Appraiser exam video lesson Isolate one difference between sales to extract a defensible adjustment amount. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-sales-comparison-approach-paired-data.mp4 2026-08-26T07:24:51.919Z 331 https://www.estatepass.ai/courses/appraiser/videos/cost-approach-cost-basis/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-cost-basis.webp Reproduction vs Replacement Cost — Appraiser exam video lesson Pick the right cost basis and the right estimating method for the assignment. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-cost-basis.mp4 2026-08-26T07:24:51.919Z 357 https://www.estatepass.ai/courses/appraiser/videos/cost-approach-physical-depreciation/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-physical-depreciation.webp Physical Deterioration — Appraiser exam video lesson Split curable from incurable, short-lived from long-lived, and cost each correctly. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-physical-depreciation.mp4 2026-08-26T07:24:51.919Z 360 https://www.estatepass.ai/courses/appraiser/videos/cost-approach-functional-obsolescence/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-functional-obsolescence.webp Functional Obsolescence — Appraiser exam video lesson Work superadequacy and deficiency problems, including cost-to-cure logic. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-functional-obsolescence.mp4 2026-08-26T07:24:51.919Z 370 https://www.estatepass.ai/courses/appraiser/videos/cost-approach-age-life/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-age-life.webp Age-Life Depreciation — Appraiser exam video lesson Use effective age over total economic life — and know what maintenance does to effective age. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-cost-approach-age-life.mp4 2026-08-26T07:24:51.919Z 368 https://www.estatepass.ai/courses/appraiser/videos/income-approach-gross-income/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-gross-income.webp PGI, EGI & Vacancy — Appraiser exam video lesson Build the income statement top: potential gross, vacancy/collection, effective gross. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-gross-income.mp4 2026-08-26T07:24:51.919Z 360 https://www.estatepass.ai/courses/appraiser/videos/income-approach-expenses-noi/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-expenses-noi.webp Expenses & NOI — Appraiser exam video lesson Classify operating expenses, exclude debt service, and land on a clean NOI. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-expenses-noi.mp4 2026-08-26T07:24:51.919Z 367 https://www.estatepass.ai/courses/appraiser/videos/income-approach-direct-cap/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-direct-cap.webp Direct Capitalization — Appraiser exam video lesson Apply IRV, extract cap rates from sales, and build one by band of investment. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-direct-cap.mp4 2026-08-26T07:24:51.919Z 364 https://www.estatepass.ai/courses/appraiser/videos/income-approach-grm-gim/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-grm-gim.webp GRM & GIM — Appraiser exam video lesson Value with gross rent/income multipliers and know when they mislead. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-income-approach-grm-gim.mp4 2026-08-26T07:24:51.919Z 361 https://www.estatepass.ai/courses/appraiser/videos/reconciliation-weighting/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-reconciliation-weighting.webp Reconciling to Final Value — Appraiser exam video lesson Weight the approaches by quality of data and relevance, and defend the final opinion. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/appraiser-reconciliation-weighting.mp4 2026-08-26T07:24:51.919Z 361 https://www.estatepass.ai/courses/home-inspector/videos/site-grounds-grading-drainage/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-site-grounds-grading-drainage.webp Grading & Surface Drainage — NHIE exam video lesson Spot negative slope at the foundation and know how far and how fast grade must fall away. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-site-grounds-grading-drainage.mp4 2026-08-26T07:24:49.520Z 336 https://www.estatepass.ai/courses/home-inspector/videos/exterior-decks/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-exterior-decks.webp Decks, Porches & Balconies — NHIE exam video lesson Inspect ledger attachment, guards, stairs and footings — the deck-collapse checklist. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-exterior-decks.mp4 2026-08-26T07:24:49.520Z 340 https://www.estatepass.ai/courses/home-inspector/videos/roofing-asphalt/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-roofing-asphalt.webp Asphalt Shingles: Install & Aging — NHIE exam video lesson Judge exposure, nailing and aging indicators, and estimate remaining life of an asphalt roof. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-roofing-asphalt.mp4 2026-08-26T07:24:49.520Z 331 https://www.estatepass.ai/courses/home-inspector/videos/roofing-roof-ventilation/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-roofing-roof-ventilation.webp Attic Ventilation & Net Free Area — NHIE exam video lesson Balance intake and exhaust, compute the 1/150–1/300 ratios, and spot short-circuited venting. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-roofing-roof-ventilation.mp4 2026-08-26T07:24:49.520Z 340 https://www.estatepass.ai/courses/home-inspector/videos/structural-foundation/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-structural-foundation.webp Foundations & Crack Patterns — NHIE exam video lesson Match crack patterns to their causes and separate normal shrinkage from differential settlement. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-structural-foundation.mp4 2026-08-26T07:24:49.520Z 349 https://www.estatepass.ai/courses/home-inspector/videos/electrical-panels/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-electrical-panels.webp Panels: Bonding, Taps & Breaker Sizing — NHIE exam video lesson Catch neutral/ground violations, double-taps and breakers oversized for their conductors. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-electrical-panels.mp4 2026-08-26T07:24:49.520Z 337 https://www.estatepass.ai/courses/home-inspector/videos/electrical-gfci-afci/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-electrical-gfci-afci.webp GFCI & AFCI Protection — NHIE exam video lesson List every required GFCI/AFCI location and describe how each device is tested. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-electrical-gfci-afci.mp4 2026-08-26T07:24:49.520Z 353 https://www.estatepass.ai/courses/home-inspector/videos/plumbing-dwv/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-plumbing-dwv.webp Drain, Waste & Vent Defects — NHIE exam video lesson Explain trap seals, slope and venting, and why an S-trap fails where a P-trap works. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-plumbing-dwv.mp4 2026-08-26T07:24:49.520Z 343 https://www.estatepass.ai/courses/home-inspector/videos/plumbing-water-heater/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-plumbing-water-heater.webp Water Heaters & TPR Discharge — NHIE exam video lesson Inspect TPR valves and discharge piping, combustion air, venting and seismic strapping. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-plumbing-water-heater.mp4 2026-08-26T07:24:49.520Z 339 https://www.estatepass.ai/courses/home-inspector/videos/interior-stairs-guards/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-interior-stairs-guards.webp Stairs, Handrails & Guards — NHIE exam video lesson Apply the stair geometry numbers: rise, run, riser uniformity, rail height, sphere rules. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/inspection-interior-stairs-guards.mp4 2026-08-26T07:24:49.520Z 332 https://www.estatepass.ai/courses/part-107/videos/regulations-op-limits/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-op-limits.webp Operating Limits: 400 ft, 100 mph, 3 SM — Part 107 exam video lesson Recite the core numbers — altitude, groundspeed, visibility, cloud clearance, daylight — and their exceptions. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-op-limits.mp4 2026-08-26T07:24:50.510Z 365 https://www.estatepass.ai/courses/part-107/videos/regulations-registration-remoteid/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-registration-remoteid.webp Registration & Remote ID — Part 107 exam video lesson Register, mark and broadcast: the ownership and Remote ID duties for every sUAS. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-registration-remoteid.mp4 2026-08-26T07:24:50.510Z 353 https://www.estatepass.ai/courses/part-107/videos/regulations-accident-reporting/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-accident-reporting.webp Accident Reporting: 10 Days — Part 107 exam video lesson Apply the FAA 10-day report triggers (serious injury / $500 damage) and NTSB rules. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-accident-reporting.mp4 2026-08-26T07:24:50.510Z 347 https://www.estatepass.ai/courses/part-107/videos/regulations-over-people/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-over-people.webp Operations Over People & Vehicles — Part 107 exam video lesson Sort Category 1–4 operations over people and the moving-vehicle restrictions. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-regulations-over-people.mp4 2026-08-26T07:24:50.510Z 351 https://www.estatepass.ai/courses/part-107/videos/airspace-classes/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-airspace-classes.webp Airspace Classes B Through G — Part 107 exam video lesson Describe each airspace class’s shape and rules and where sUAS need authorization. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-airspace-classes.mp4 2026-08-26T07:24:50.510Z 355 https://www.estatepass.ai/courses/part-107/videos/airspace-laanc/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-airspace-laanc.webp LAANC & Airspace Authorization — Part 107 exam video lesson Get controlled-airspace access through LAANC and read UASFM grid altitudes. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-airspace-laanc.mp4 2026-08-26T07:24:50.510Z 344 https://www.estatepass.ai/courses/part-107/videos/weather-metar/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-weather-metar.webp Decoding METARs — Part 107 exam video lesson Decode a METAR element by element: wind, visibility, weather, clouds, temp/dewpoint. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-weather-metar.mp4 2026-08-26T07:24:50.510Z 354 https://www.estatepass.ai/courses/part-107/videos/weather-minimums/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-weather-minimums.webp Weather Minimums in Practice — Part 107 exam video lesson Apply 3 SM visibility and 500-below/2,000-horizontal cloud clearance to real scenarios. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-weather-minimums.mp4 2026-08-26T07:24:50.510Z 332 https://www.estatepass.ai/courses/part-107/videos/operations-right-of-way/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-operations-right-of-way.webp Right of Way: Yield to Everything — Part 107 exam video lesson Apply see-and-avoid: sUAS yield to all manned aircraft, always. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-operations-right-of-way.mp4 2026-08-26T07:24:50.510Z 338 https://www.estatepass.ai/courses/part-107/videos/operations-adm/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-operations-adm.webp ADM & Hazardous Attitudes — Part 107 exam video lesson Name the five hazardous attitudes with antidotes and run a risk-assessment loop. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/drone-operations-adm.mp4 2026-08-26T07:24:50.510Z 345 https://www.estatepass.ai/courses/notary/videos/ca-notary-law-appointment/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-ca-notary-law-appointment.webp Appointment, Term & Filing — CA Notary exam video lesson Track the path to commission: qualifications, 4-year term, and the 30-day oath-and-bond filing. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-ca-notary-law-appointment.mp4 2026-08-26T07:24:51.445Z 341 https://www.estatepass.ai/courses/notary/videos/ca-notary-law-penalties/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-ca-notary-law-penalties.webp Penalties & Discipline — CA Notary exam video lesson Match violations to their civil and criminal penalties and Secretary of State actions. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-ca-notary-law-penalties.mp4 2026-08-26T07:24:51.445Z 356 https://www.estatepass.ai/courses/notary/videos/notarial-acts-acknowledgment/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-notarial-acts-acknowledgment.webp Acknowledgments — CA Notary exam video lesson Execute the California all-purpose acknowledgment: who appears, what is verified, exact wording. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-notarial-acts-acknowledgment.mp4 2026-08-26T07:24:51.445Z 346 https://www.estatepass.ai/courses/notary/videos/notarial-acts-jurat/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-notarial-acts-jurat.webp Jurats & the Oath — CA Notary exam video lesson Administer the jurat correctly: signed in your presence plus a real oath, no exceptions. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-notarial-acts-jurat.mp4 2026-08-26T07:24:51.445Z 341 https://www.estatepass.ai/courses/notary/videos/identification-acceptable-id/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-identification-acceptable-id.webp Satisfactory Evidence of Identity — CA Notary exam video lesson Apply the ID list and the current-or-issued-within-5-years rule to every signer. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-identification-acceptable-id.mp4 2026-08-26T07:24:51.445Z 363 https://www.estatepass.ai/courses/notary/videos/identification-credible-witness/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-identification-credible-witness.webp Credible Witnesses — CA Notary exam video lesson Use one known or two unknown credible witnesses, each properly sworn, with the right disqualifiers. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-identification-credible-witness.mp4 2026-08-26T07:24:51.445Z 344 https://www.estatepass.ai/courses/notary/videos/journal-certificates-journal-contents/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-journal-certificates-journal-contents.webp The One Active Journal — CA Notary exam video lesson Keep sequential, complete journal entries — date, act, document, ID, fee, signature. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-journal-certificates-journal-contents.mp4 2026-08-26T07:24:51.445Z 342 https://www.estatepass.ai/courses/notary/videos/journal-certificates-thumbprint/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-journal-certificates-thumbprint.webp The Thumbprint Rule — CA Notary exam video lesson Take a journal thumbprint for deeds, quitclaims and powers of attorney — and only those. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-journal-certificates-thumbprint.mp4 2026-08-26T07:24:51.445Z 338 https://www.estatepass.ai/courses/notary/videos/fees-bonds-misconduct-fee-caps/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-fees-bonds-misconduct-fee-caps.webp Maximum Fees — CA Notary exam video lesson Charge at most $15 per signature/acknowledgment and handle travel fees lawfully. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-fees-bonds-misconduct-fee-caps.mp4 2026-08-26T07:24:51.445Z 342 https://www.estatepass.ai/courses/notary/videos/fees-bonds-misconduct-conflicts/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-fees-bonds-misconduct-conflicts.webp Beneficial Interest & Refusal — CA Notary exam video lesson Refuse when you are a party or beneficiary, and know the narrow exceptions. https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/passcourse-v1/notary-fees-bonds-misconduct-conflicts.mp4 2026-08-26T07:24:51.445Z 351 https://www.estatepass.ai/insurance-license/videos/life-health/term-life-which-variable-moves/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-01-01-cover.webp Term Life: Which Variable Moves? — L&H Exam Video Lesson Find which variable holds and which one moves https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-01-01.mp4 2026-08-26T13:07:34.169Z 402 https://www.estatepass.ai/insurance-license/videos/life-health/whole-life-variants-sort-by-the-premium-clock/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-01-02-cover.webp Whole Life Variants: Sort by the Premium Clock — L&H Exam Video Lesson Same benefit, different premium clock — sort by the clock https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-01-02.mp4 2026-08-26T13:07:34.169Z 388 https://www.estatepass.ai/insurance-license/videos/life-health/contract-traits-learn-the-consequence/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-02-01-cover.webp Contract Traits: Learn the Consequence — L&H Exam Video Lesson Each contract trait is really just one consequence https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-02-01.mp4 2026-08-26T13:07:34.169Z 401 https://www.estatepass.ai/insurance-license/videos/life-health/grace-reinstatement-and-the-two-year-line/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-02-02-cover.webp Grace, Reinstatement, and the Two-Year Line — L&H Exam Video Lesson Past two years, the insurer needs one of three exceptions https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-02-02.mp4 2026-08-26T13:07:34.169Z 407 https://www.estatepass.ai/insurance-license/videos/life-health/offer-acceptance-and-insurable-interest/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-03-01-cover.webp Offer, Acceptance, and Insurable Interest — L&H Exam Video Lesson The moment of issue fixes offer, interest, and materiality https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-03-01.mp4 2026-08-26T13:07:34.169Z 399 https://www.estatepass.ai/insurance-license/videos/life-health/receipts-delivery-and-the-free-look-clock/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-03-02-cover.webp Receipts, Delivery, and the Free-Look Clock — L&H Exam Video Lesson Premium paid? Which receipt? Those two decide the claim https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-03-02.mp4 2026-08-26T13:07:34.169Z 386 https://www.estatepass.ai/insurance-license/videos/life-health/underwriting-sources-and-the-privacy-overlay/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-03-03-cover.webp Underwriting Sources and the Privacy Overlay — L&H Exam Video Lesson Four sources, four federal laws, one matching move https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-03-03.mp4 2026-08-26T13:07:34.169Z 394 https://www.estatepass.ai/insurance-license/videos/life-health/db-or-dc-who-eats-the-investment-loss/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-04-01-cover.webp DB or DC: Who Eats the Investment Loss — L&H Exam Video Lesson One question sorts every plan: who eats the loss https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-04-01.mp4 2026-08-26T13:07:34.169Z 397 https://www.estatepass.ai/insurance-license/videos/life-health/sponsor-map-401-k-sep-403-b-and-457-b/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-04-02-cover.webp Sponsor Map: 401(k), SEP, 403(b), and 457(b) — L&H Exam Video Lesson Match the employer to the plan before you read on https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-04-02.mp4 2026-08-26T13:07:34.169Z 388 https://www.estatepass.ai/insurance-license/videos/life-health/hmo-ppo-pos-cdhp-access-and-payment/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-05-01-cover.webp HMO, PPO, POS, CDHP: Access and Payment — L&H Exam Video Lesson Two questions sort every managed care plan https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-05-01.mp4 2026-08-26T13:07:34.169Z 393 https://www.estatepass.ai/insurance-license/videos/life-health/metal-tiers-excepted-benefits-and-fixed-cash/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-05-02-cover.webp Metal Tiers, Excepted Benefits, and Fixed Cash — L&H Exam Video Lesson Some health products are not health insurance at all https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-05-02.mp4 2026-08-26T13:07:34.169Z 396 https://www.estatepass.ai/insurance-license/videos/life-health/mandatory-provisions-the-claims-clock/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-06-01-cover.webp Mandatory Provisions: The Claims Clock — L&H Exam Video Lesson Twenty, fifteen, ninety — the clock every claim runs on https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-06-01.mp4 2026-08-26T13:07:34.169Z 393 https://www.estatepass.ai/insurance-license/videos/life-health/renewability-who-ends-it-who-prices-it/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-06-02-cover.webp Renewability: Who Ends It, Who Prices It — L&H Exam Video Lesson Two promises separate the top rung from all the rest https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-06-02.mp4 2026-08-26T13:07:34.169Z 398 https://www.estatepass.ai/insurance-license/videos/life-health/social-security-insured-status-and-timing/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-07-01-cover.webp Social Security: Insured Status and Timing — L&H Exam Video Lesson Forty credits, eight percent a year, and the eighty-five cap https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-07-01.mp4 2026-08-26T13:07:34.169Z 395 https://www.estatepass.ai/insurance-license/videos/life-health/disability-income-which-definition-governs/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-08-01-cover.webp Disability Income: Which Definition Governs — L&H Exam Video Lesson The same injury pays or does not, depending on the test https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-08-01.mp4 2026-08-26T13:07:34.169Z 395 https://www.estatepass.ai/insurance-license/videos/life-health/application-to-delivery-when-coverage-starts/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-09-01-cover.webp Application to Delivery: When Coverage Starts — L&H Exam Video Lesson One question routes every effective-date problem you meet https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-lh-09-01.mp4 2026-08-26T13:07:34.169Z 388 https://www.estatepass.ai/insurance-license/videos/property-casualty/homeowners-forms-and-the-a-through-f-structure/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-01-cover.webp Homeowners Forms and the A Through F Structure — P&C Exam Video Lesson Six letters, two peril triggers, one exam favorite https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-01.mp4 2026-08-26T13:07:34.169Z 399 https://www.estatepass.ai/insurance-license/videos/property-casualty/homeowners-endorsements-which-gap-which-fix/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-02-cover.webp Homeowners Endorsements: Which Gap, Which Fix — P&C Exam Video Lesson Match the gap to the endorsement — property or liability https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-02.mp4 2026-08-26T13:07:34.169Z 418 https://www.estatepass.ai/insurance-license/videos/property-casualty/the-dp-ladder-three-perils-to-open-perils/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-03-cover.webp The DP Ladder: Three Perils to Open Perils — P&C Exam Video Lesson Place every dwelling question on the right rung first https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-03.mp4 2026-08-26T13:07:34.169Z 417 https://www.estatepass.ai/insurance-license/videos/property-casualty/flood-earthquake-and-the-residual-market/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-04-cover.webp Flood, Earthquake, and the Residual Market — P&C Exam Video Lesson The perils your policy excludes, and who picks them up https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-04.mp4 2026-08-26T13:07:34.169Z 417 https://www.estatepass.ai/insurance-license/videos/property-casualty/cp-00-10-and-the-causes-of-loss-ladder/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-05-cover.webp CP 00 10 and the Causes of Loss Ladder — P&C Exam Video Lesson Two forms decide what is covered and against what https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-05.mp4 2026-08-26T13:07:34.169Z 406 https://www.estatepass.ai/insurance-license/videos/property-casualty/business-income-extra-expense-builders-risk/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-06-cover.webp Business Income, Extra Expense, Builders Risk — P&C Exam Video Lesson One form rebuilds the building, another replaces the income https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-06.mp4 2026-08-26T13:07:34.169Z 403 https://www.estatepass.ai/insurance-license/videos/property-casualty/whose-interest-bop-condo-and-floaters/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-07-cover.webp Whose Interest? BOP, Condo, and Floaters — P&C Exam Video Lesson Name the parties before you read a word of the coverage https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-01-07.mp4 2026-08-26T13:07:34.169Z 418 https://www.estatepass.ai/insurance-license/videos/property-casualty/valuation-acv-replacement-cost-functional/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-02-02-cover.webp Valuation: ACV, Replacement Cost, Functional — P&C Exam Video Lesson Name the valuation standard before you touch the arithmetic https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-02-02.mp4 2026-08-26T13:07:34.169Z 406 https://www.estatepass.ai/insurance-license/videos/property-casualty/coinsurance-math-carried-over-required/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-02-03-cover.webp Coinsurance Math: Carried Over Required — P&C Exam Video Lesson Carry too little and the formula makes you a co-insurer https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-02-03.mp4 2026-08-26T12:58:01.764Z 368 https://www.estatepass.ai/insurance-license/videos/property-casualty/contract-formation-and-insurable-interest/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-03-01-cover.webp Contract Formation and Insurable Interest — P&C Exam Video Lesson A paid-up policy on property you no longer own pays nothing https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-03-01.mp4 2026-08-26T13:07:34.169Z 386 https://www.estatepass.ai/insurance-license/videos/property-casualty/personal-auto-policy-six-parts-six-jobs/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-01-cover.webp Personal Auto Policy: Six Parts, Six Jobs — P&C Exam Video Lesson Name the part first — most wrong answers are right rules https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-01.mp4 2026-08-26T13:07:34.169Z 386 https://www.estatepass.ai/insurance-license/videos/property-casualty/commercial-auto-symbols-forms-and-gaps/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-02-cover.webp Commercial Auto: Symbols, Forms, and Gaps — P&C Exam Video Lesson Symbols, forms, options — every grant sits in its own slot https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-02.mp4 2026-08-26T13:07:34.169Z 400 https://www.estatepass.ai/insurance-license/videos/property-casualty/the-liability-tower-cgl-umbrella-excess/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-03-cover.webp The Liability Tower: CGL, Umbrella, Excess — P&C Exam Video Lesson When the umbrella drops to the ground floor and pays first https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-03.mp4 2026-08-26T13:07:34.169Z 398 https://www.estatepass.ai/insurance-license/videos/property-casualty/claims-made-liability-three-dates-decide-it/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-04-cover.webp Claims-Made Liability: Three Dates Decide It — P&C Exam Video Lesson Retro date, act date, claim date — check all three https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-04-04.mp4 2026-08-26T13:07:34.169Z 401 https://www.estatepass.ai/insurance-license/videos/property-casualty/negligence-four-elements-one-real-question/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-05-01-cover.webp Negligence: Four Elements, One Real Question — P&C Exam Video Lesson Proving breach is not the same as winning the case https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-05-01.mp4 2026-08-26T13:07:34.169Z 397 https://www.estatepass.ai/insurance-license/videos/property-casualty/causation-but-for-risk-and-superseding/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-05-02-cover.webp Causation: But-For, Risk, and Superseding — P&C Exam Video Lesson Did it cause the harm, and is the harm chargeable? https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-05-02.mp4 2026-08-26T13:07:34.169Z 381 https://www.estatepass.ai/insurance-license/videos/property-casualty/section-v-definitions-that-decide-coverage/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-06-01-cover.webp Section V: Definitions That Decide Coverage — P&C Exam Video Lesson The claim is won in the definitions, not the exclusions https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-06-01.mp4 2026-08-26T13:07:34.169Z 389 https://www.estatepass.ai/insurance-license/videos/property-casualty/insureds-limits-and-the-claims-made-trigger/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-06-02-cover.webp Insureds, Limits, and the Claims-Made Trigger — P&C Exam Video Lesson Two aggregates, one sublimit, and a two-prong trigger https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-06-02.mp4 2026-08-26T13:07:34.169Z 395 https://www.estatepass.ai/insurance-license/videos/property-casualty/mccarran-ferguson-and-reverse-preemption/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-07-01-cover.webp McCarran-Ferguson and Reverse Preemption — P&C Exam Video Lesson When state insurance law beats a federal statute https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-07-01.mp4 2026-08-26T13:07:34.169Z 392 https://www.estatepass.ai/insurance-license/videos/property-casualty/naic-models-accreditation-and-solvency-oversight/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-07-02-cover.webp NAIC Models, Accreditation, and Solvency Oversight — P&C Exam Video Lesson Nonbinding models that every state ends up enacting https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pc-07-02.mp4 2026-08-26T13:07:34.169Z 399 https://www.estatepass.ai/insurance-license/videos/personal-lines/the-six-homeowners-forms-who-gets-which/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-01-01-cover.webp The Six Homeowners Forms: Who Gets Which — PL Exam Video Lesson Match the occupant to the form, the perils to the side https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-01-01.mp4 2026-08-26T13:07:34.169Z 367 https://www.estatepass.ai/insurance-license/videos/personal-lines/section-i-defaults-everything-keys-off-a/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-01-02-cover.webp Section I Defaults: Everything Keys Off A — PL Exam Video Lesson One limit on the declarations sets four more https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-01-02.mp4 2026-08-26T13:07:34.169Z 384 https://www.estatepass.ai/insurance-license/videos/personal-lines/the-dwelling-program-occupancy-decides/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-02-01-cover.webp The Dwelling Program: Occupancy Decides — PL Exam Video Lesson Who lives there decides the program and the rate https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-02-01.mp4 2026-08-26T13:07:34.169Z 383 https://www.estatepass.ai/insurance-license/videos/personal-lines/your-covered-auto-two-definitions-run-the-pap/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-03-01-cover.webp Your Covered Auto: Two Definitions Run the PAP — PL Exam Video Lesson Label the car and the driver, then the answer falls out https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-03-01.mp4 2026-08-26T13:07:34.169Z 391 https://www.estatepass.ai/insurance-license/videos/personal-lines/part-a-limits-killers-and-borders/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-03-02-cover.webp Part A: Limits, Killers, and Borders — PL Exam Video Lesson Check the four coverage killers before any limits math https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-03-02.mp4 2026-08-26T13:07:34.169Z 382 https://www.estatepass.ai/insurance-license/videos/personal-lines/the-umbrella-one-limit-over-every-line/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-04-01-cover.webp The Umbrella: One Limit Over Every Line — PL Exam Video Lesson One excess limit sitting over auto, home, and boat at once https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-04-01.mp4 2026-08-26T13:07:34.169Z 386 https://www.estatepass.ai/insurance-license/videos/personal-lines/floaters-vs-coverage-c-the-three-upgrades/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-05-01-cover.webp Floaters vs Coverage C: The Three Upgrades — PL Exam Video Lesson Open perils, worldwide, full value — what scheduling buys https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-05-01.mp4 2026-08-26T13:07:34.169Z 392 https://www.estatepass.ai/insurance-license/videos/personal-lines/the-atv-gap-where-it-was-how-it-was-used/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-06-01-cover.webp The ATV Gap: Where It Was, How It Was Used — PL Exam Video Lesson Two policies, one ATV, and a gap the moment you leave the yard https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-06-01.mp4 2026-08-26T13:07:34.169Z 393 https://www.estatepass.ai/insurance-license/videos/personal-lines/nfip-the-federal-program-in-private-clothes/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-07-01-cover.webp NFIP: The Federal Program in Private Clothes — PL Exam Video Lesson Whose name is on the policy, and whose money pays the claim https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-07-01.mp4 2026-08-26T13:07:34.169Z 405 https://www.estatepass.ai/insurance-license/videos/personal-lines/risk-concepts-name-it-then-place-it/ https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-08-01-cover.webp Risk Concepts: Name It, Then Place It — PL Exam Video Lesson Which quadrant an exposure lands in decides the technique https://yhesmxgreadttyxmbxxg.supabase.co/storage/v1/object/public/question-videos/ins-videos/national-pl-08-01.mp4 2026-08-26T13:07:34.169Z 400 https://www.estatepass.ai/au/cpa/videos/foundations-of-accounting/double-entry-debits-credits-dealer/ https://www.estatepass.ai/api/cpa/public-videos/cpa-foa-v01/cpa-foa-v01.jpg Which Side Goes Up? — CPA FoA video lesson Every transaction is recorded in two accounts, with equal debits and credits. Drawings, expenses and assets increase with a debit; liabilities, equity and revenue increase with a credit (DEALER). A trial balance that balances proves debits equal credits, not that there are no errors. https://www.estatepass.ai/api/cpa/public-videos/cpa-foa-v01/cpa-foa-v01.mp4 2026-10-22T09:06:34.426Z 150 https://www.estatepass.ai/au/cpa/videos/financial-accounting-and-reporting/conceptual-framework-qualitative-characteristics/ https://www.estatepass.ai/api/cpa/public-videos/cpa-far-v01/cpa-far-v01.jpg What Makes Numbers Useful — CPA FAR video lesson Under the Conceptual Framework, useful financial information must be relevant and faithfully represented; those are the two fundamental qualitative characteristics. Comparability, verifiability, timeliness and understandability enhance useful information but cannot make irrelevant or unfaithful information useful. https://www.estatepass.ai/api/cpa/public-videos/cpa-far-v01/cpa-far-v01.mp4 2026-10-22T09:06:34.597Z 108 https://www.estatepass.ai/au/cpa/videos/management-accounting/overhead-absorption-rate-under-absorbed/ https://www.estatepass.ai/api/cpa/public-videos/cpa-ma-v01/cpa-ma-v01.jpg The $2,500 Overhead Gap — CPA MA video lesson A predetermined overhead absorption rate is budgeted overhead divided by budgeted activity on the chosen base, set before the year starts. With $540,000 of budgeted overhead and 36,000 machine hours the rate is $15 an hour. If absorbed overhead is below actual overhead at year end, the shortfall is under-absorbed and charged to cost of sales. https://www.estatepass.ai/api/cpa/public-videos/cpa-ma-v01/cpa-ma-v01.mp4 2026-10-22T09:06:34.662Z 131 https://www.estatepass.ai/au/cpa/videos/business-finance/wacc-market-weights-after-tax-debt/ https://www.estatepass.ai/api/cpa/public-videos/cpa-bf-v01/cpa-bf-v01.jpg One WACC, Three Wrong Turns — CPA BF video lesson WACC weights each source of finance by its market value, uses the after-tax cost of debt, and takes the cost of equity from CAPM. For Kurrajong Ltd that gives equity of $70m and debt of $28.8m, a cost of equity of 11.15%, an after-tax cost of debt of 4.55%, and a WACC of 9.23%. https://www.estatepass.ai/api/cpa/public-videos/cpa-bf-v01/cpa-bf-v01.mp4 2026-10-22T09:06:34.726Z 138 https://www.estatepass.ai/au/cpa/videos/ethics-and-governance/apes-110-ethics-threats-conceptual-framework/ https://www.estatepass.ai/api/cpa/public-videos/cpa-eg-v01/cpa-eg-v01.jpg The Ethics Toolkit — CPA EG video lesson APES 110 asks a professional accountant to identify threats to the five fundamental principles, evaluate whether they are at an acceptable level, and address them. An audit manager who owns shares in the client faces a self-interest threat to objectivity, which is addressed by removing the interest or the person, not by ignoring it. https://www.estatepass.ai/api/cpa/public-videos/cpa-eg-v01/cpa-eg-v01.mp4 2026-10-22T09:06:34.790Z 76 https://www.estatepass.ai/au/cpa/videos/financial-reporting/intragroup-inventory-profit-elimination/ https://www.estatepass.ai/api/cpa/public-videos/cpa-fr-v01/cpa-fr-v01.jpg The Profit That Isn't There Yet — CPA FR video lesson When a parent sells inventory to its subsidiary, consolidation eliminates the whole intragroup sale and defers the profit still in closing inventory. If $100,000 of stock is sold at a $25,000 profit and 30% is unsold, the group removes $7,500 of unrealized profit and recognizes a $2,250 deferred tax asset at a 30% tax rate. https://www.estatepass.ai/api/cpa/public-videos/cpa-fr-v01/cpa-fr-v01.mp4 2026-10-22T09:06:34.865Z 190 https://www.estatepass.ai/au/cpa/videos/strategic-management-accounting/flexible-budget-variance-analysis/ https://www.estatepass.ai/api/cpa/public-videos/cpa-sma-v01/cpa-sma-v01.jpg The Variance That Hid a Good Month — CPA SMA video lesson A flexible budget restates the budget at the actual volume so variances can be separated. The sales volume variance is the flexible budget profit minus the static budget profit, and the flexible budget variance splits into price and cost variances. Here a $17,000 adverse total hides a $20,000 favorable volume variance. https://www.estatepass.ai/api/cpa/public-videos/cpa-sma-v01/cpa-sma-v01.mp4 2026-10-22T09:06:34.958Z 114 https://www.estatepass.ai/au/cpa/videos/global-strategy-and-leadership/pestel-and-porters-five-forces/ https://www.estatepass.ai/api/cpa/public-videos/cpa-gsl-v01/cpa-gsl-v01.jpg Outside In: PESTEL and Five Forces — CPA GSL video lesson PESTEL analyzes the macro environment that affects every firm: political, economic, social, technological, environmental and legal factors. Porter's five forces analyze one industry's structure and profitability: rivalry, new entrants, substitutes, buyer power and supplier power. Ask whether a fact affects everyone or shapes this industry's profits. https://www.estatepass.ai/api/cpa/public-videos/cpa-gsl-v01/cpa-gsl-v01.mp4 2026-10-22T09:06:35.031Z 90 https://www.estatepass.ai/ca/llqp/video-lessons/needs-beyond-income/ https://www.estatepass.ai/api/ca/llqp/lectures/needs-beyond-income/needs-beyond-income.webp A life insurance need is bigger than a paycheque Identify both income loss and the cost of unpaid work before discussing an amount of coverage. https://www.estatepass.ai/api/ca/llqp/lectures/needs-beyond-income/needs-beyond-income.mp4 144 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/term-length-and-conversion/ https://www.estatepass.ai/api/ca/llqp/lectures/term-length-and-conversion/term-length-and-conversion.webp Match the term to the life of the need Compare an initial term premium with the full period of a client’s protection need. https://www.estatepass.ai/api/ca/llqp/lectures/term-length-and-conversion/term-length-and-conversion.mp4 141 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/coverage-is-not-income/ https://www.estatepass.ai/api/ca/llqp/lectures/coverage-is-not-income/coverage-is-not-income.webp What existing benefits really cover Distinguish a payment-specific benefit from income replacement and comprehensive health coverage. https://www.estatepass.ai/api/ca/llqp/lectures/coverage-is-not-income/coverage-is-not-income.mp4 135 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/disability-definition/ https://www.estatepass.ai/api/ca/llqp/lectures/disability-definition/disability-definition.webp The words “own occupation” are not the whole contract Read the disability definition and other-work conditions together. https://www.estatepass.ai/api/ca/llqp/lectures/disability-definition/disability-definition.mp4 128 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/seg-fund-guarantee/ https://www.estatepass.ai/api/ca/llqp/lectures/seg-fund-guarantee/seg-fund-guarantee.webp A guarantee is not the same as account value Explain how withdrawals and contract terms can change a segregated fund guarantee. https://www.estatepass.ai/api/ca/llqp/lectures/seg-fund-guarantee/seg-fund-guarantee.mp4 162 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/risk-profile-is-a-conversation/ https://www.estatepass.ai/api/ca/llqp/lectures/risk-profile-is-a-conversation/risk-profile-is-a-conversation.webp The risk questionnaire is a starting point Resolve conflicts between a client’s stated risk tolerance and their actual behaviour. https://www.estatepass.ai/api/ca/llqp/lectures/risk-profile-is-a-conversation/risk-profile-is-a-conversation.mp4 121 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/beneficiary-control/ https://www.estatepass.ai/api/ca/llqp/lectures/beneficiary-control/beneficiary-control.webp Beneficiary choice changes policy control Explain the practical control difference between revocable and irrevocable designations. https://www.estatepass.ai/api/ca/llqp/lectures/beneficiary-control/beneficiary-control.mp4 133 2026-09-25 no https://www.estatepass.ai/ca/llqp/video-lessons/client-story-and-consent/ https://www.estatepass.ai/api/ca/llqp/lectures/client-story-and-consent/client-story-and-consent.webp A good client story still needs permission Recognize privacy and accuracy obligations before using client information in marketing. https://www.estatepass.ai/api/ca/llqp/lectures/client-story-and-consent/client-story-and-consent.mp4 129 2026-09-25 no