I have a 440 and only because of my current job which I've been at since only February, do I understand this material. If I hadn't been at this job, I'd be lost. I had to request a 30-day extension and still only got a 74 on the exam and I breezed through most of the quizzes. The toughest units for me were Homeowners, Dwelleing, CGL, commercial package. Good luck.