What your saying suggests poor instruction as apposed to anything on the students end. why would an instructor allow something to be "ticked off" if they were in any doubt the student had grasped the concept, skill or appropriate attitude to proceed to the next exorcise? intensive courses are no guarantee of completion if the work load proves too much or the conditions are not accommodating or they simply don't apply themselves... also the post was added as a reply to the thread title and meant to give a great breakdown of possible costs.