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okay so louisa get lots of questions on the podcast about how to pass your ciiro exam so the first question im going to ask you today which comes up is there an easy way to get to your level 4 qualification and thats a fantastic question sam and im afraid the answer is probably not i quite like that answer its a very trainer answer any level four qualification is going to take a lot of hard graft and a study plan so there is no easy way to get that now different qualifications some are you can get there quicker some you can get there slower but all of them come with a decent amount of hard graft you take something like cii diploma in regulated financial planning thats got six papers so with the best one in the world its going to take some time to work through those papers and of course its also going to depend are you a full-time student are you a part-time student lots of people are studying on top of a full-time job so a good study plan yeah and it is going to take you a whil