Specialized courses, variable annuity sales qualification, foreign currency insurance sales qualification, a set of workbooks and mock tests for the exams. Each workbook: 1 book Mock tests: each, 1st edition, 2nd edition Each test includes answer sheets, answers, and explanations. There are no writings in any of them. Thank you for viewing. Please refrain from purchasing if you are concerned as these are used items. We do not have any pets or smokers.