Laura - Although it appears that, on the surface, you are correct, you should read Section 626.2815, which can be found on page 220 of the manual - 18th edition. Paragraph 3(a) does indeed indicate that 24 hours of CE is required. Readng slightly further shows that, of the required 24 hours,3 hours must be in ethics and 1 hour must be in premium discounts. Maybe they subtracted these 4 hours of specific coursework from the 24 hour requirement to get to their answer of 20 hours.  Furthermore, if you read paragrapg (b) then the 20 hour requirement comes into play. Perhaps they meant licensees with 6 or more years. As a suggestion, put your question directly to the instructor. Ms. Bradburn is great, and she will clarify it for you, if clarification is possible.