remaining today, such as those run by Sun Life, Freedom 55, and IGM Financial. When the career shop was the entry point of choice into the insurance industry, it was normal for new agents to undertake an intensive training program, usually involving a combination of in-house training, field training, and head office training. With the cost-cutting measures so prevalent through this period, it was still necessary for insurers to find ways to distribute their products. Many insurers switched to the insurance broker system. Under the brokerage system, a Managing general agent(MGA) takes on most of the responsibilities that once fell to the career shops. The difference, as far as the insurers were concerned, was in cost management. Instead of insurers tying up resources dealing with training and human resources management, this burden was now passed directly to the agents, through their MGAs. For Canadian regulators, this led to some concerns. The Canadian Council of Insurance Regulators (CCIR) and the Canadian Insurance Services Regulatory Organization(CISRO), together in 1997, determined that the decline of career shops and the subsequent move to the MGA system would hurt consumers. The problem that would arise would be that the process that was then in place that would allow a certificate to sell life insurance to be issued was expected to be complemented by an intensive training program. Most MGAs had neither the interest nor the resources to carry out such a program. As a result, CCIR and CISRO announced that there would be a more rigorous examination and study process for those entering into the life insurance industry. The feeling was that by enforcing higher educational standards at the beginning, new agents would enter into the industry better prepared. CCIR and CISRO entered into a consultation period, during which time they enlisted the services of education professionals, industry input, and input from other regulatory bodies. They end result was the LLQP Design Document which listed specific educational objectives. The expectation is that every new life insurance agent should know these educational objectives. The educational objectives are based on [Bloom's Taxonomy|Taxonomy of Educational Objectives]. Once the Design Document was in place, the regulators created exams that students would have to pass in order to be able to apply for certification to sell insurance. The exam originally was a 140 question five-answer multiple choice exam, with a heavy orientation towards case-study style multiple choice questions. Students would