text: // ==UserScript==
  // @name         betraining.com Enhancements
  // @namespace    https://github.com/Kjuib/userScripts/raw/master/src/betraining_annoying.user.js
  // @version      0.1
  // @description  make training less annoying
  // @author       heber.billings@gmail.com
  // @match        https://portal.betraining.com/scorm*
  // @grant        none
  // ==/UserScript==
  
  (function () {
      'use strict';
  
      const questions = [
          // Impactful Communication - Setting Proper Expectations
          {
              text: ['Impactful Communication - Setting Proper Expectations', 'How could this issue', 'have been avoided?'],
              answer: 'If expectations were communicated better'
          },
          {
              text: ['Impactful Communication - Setting Proper Expectations', 'When should expectations be made clear?'],
              answer: 'As soon as possible'
          },
          {
              text: ['Impactful Communication - Setting Proper Expectations', 'Who should you set expectations with?'],
              answer: 'All of these'
          },
          {
              text: ['Impactful Communication - Setting Proper Expectations', 'What should you do once you set expectations with someone else?'],
              answer: 'Ensure you understand their expectations of you'
          },
          {
              text: ['Impactful Communication - Setting Proper Expectations', 'Which of the following are good expectations to get alignment on?'],
              answer: 'All of these'
          },
          {
              text: ['Impactful Communication - Setting Proper Expectations', 'What happens when you don'],
              answer: 'All of these'
          },
          // Impactful Communication - Communication Rules
          {
              text: ['Impactful Communication - Communication Rules', 'What went wrong here?'],
              answer: 'Darren and leslie didnt establish any communication rules.'
          },
          {
              text: ['Impactful Communication - Communication Rules', 'Who should you set up communication rules with?'],
              answer: 'All of these'
          },
          {
              text: ['Impactful Communication - Communication Rules', 'Which communication channel is best for back and forth discussion?'],
              answer: 'Phone Call'
          },
          {
              text: ['Impactful Communication - Communication Rules', 'Why is it important to establish communication rules?'],
              answer: 'All of these'
          },
          {
              text: ['Impactful Communication - Communication Rules', 'Which communication channel would LIKELY be best for emergencies?'],
              answer: 'Phone Call'
          },
          {
              text: ['Impactful Communication - Communication Rules', 'When should communication rules be established'],
              answer: 'Right away'
          },
          // Impactful Communication - Keys to Successful Emails
          {
              text: ['Impactful Communication - Keys to Successful Emails', 'Ideally, what is the purpose'],
              answer: 'Allude to the desire and outcome of the email'
          },
          {
              text: ['Impactful Communication - Keys to Successful Emails', 'Where should you put a Call'],
              answer: 'All of these'
          },
          {
              text: ['Impactful Communication - Keys to Successful Emails', 'Why might you not be getting'],
              answer: 'All of these'
          },
          {
              text: ['Impactful Communication - Keys to Successful Emails', 'Why might people not be'],
              answer: 'Your information is not structured in a clear, concise way'
          },
          {
              text: ['Impactful Communication - Keys to Successful Emails', 'When is email not the ideal'],
              answer: 'If there will be a lot of back and forth communication'
          },
          // Impactful Communication - Graduated Learning
          {
              text: ['Impactful Communication - Graduated Learning', 'What can happen when you try'],
              answer: 'You dont retain it all, and you have to re-train later'
          },
          {
              text: ['Impactful Communication - Graduated Learning', 'If you frequently find yourself'],
              answer: 'You are providing too much content all at once'
          },
          {
              text: ['Impactful Communication - Graduated Learning', 'implement graduated learning'],
              answer: 'All of these'
          },
          {
              text: ['Impactful Communication - Graduated Learning', 'How do you keep yourself on track'],
              answer: 'Give each step of the process an estimated time frame'
          },
          // Impactful Communication - Effective Listening
          {
              text: ['Impactful Communication - Effective Listening', 'What is another good way'],
              answer: 'Maintain eye contact'
          },
          {
              text: ['Impactful Communication - Effective Listening', 'Is this person engaged'],
              answer: 'No'
          },
          {
              text: ['Impactful Communication - Effective Listening', 'How can Effective Listening'],
              answer: 'All of these'
          },
          {
              text: ['Impactful Communication - Effective Listening', 'How do you ensure effective'],
              answer: 'Validate what the other person is saying'
          },
          {
              text: ['Impactful Communication - Effective Listening', 'What is the key to'],
              answer: 'Understanding what the other person is saying'
          },
          {
              text: ['Impactful Communication - Effective Listening', 'Which of the following are steps'],
              answer: 'All of these'
          },
          // Impactful Communication - Being Assertive
          {
              text: ['Impactful Communication - Being Assertive', 'Are you typically more'],
              answer: 'ANY'
          },
          {
              text: ['Impactful Communication - Being Assertive', 'What is the goal of being'],
              answer: 'To develop mutual understanding of needs'
          },
          {
              text: ['Impactful Communication - Being Assertive', 'If you are typically a passive person'],
              answer: 'Share your own needs more frequently'
          },
          {
              text: ['Impactful Communication - Being Assertive', 'What is the key to being assertive'],
              answer: 'Focus on the win-win...'
          },
          {
              text: ['Impactful Communication - Being Assertive', 'If you are typically a more aggressive'],
              answer: 'Focus more on understanding...'
          },
          // Impactful Communication - Healthy Conflict
          {
              text: ['Impactful Communication - Healthy Conflict', 'How could this interaction'],
              answer: 'He should have minimized his assumptions going in'
          },
          {
              text: ['Impactful Communication - Healthy Conflict', 'What worked well in this approach'],
              answer: 'All of these'
          },
          {
              text: ['Impactful Communication - Healthy Conflict', 'Why is conflict actually'],
              answer: 'All of these'
          },
          {
              text: ['Impactful Communication - Healthy Conflict', 'What is the first step'],
              answer: 'Setup a time to engage...'
          },
          {
              text: ['Impactful Communication - Healthy Conflict', 'What is the key to getting through'],
              answer: 'Listen to the other persons side and seek to understand...'
          },
          // PCI-101-CS-01: PCI Essentials for Account Data Handlers and Supervisors
          {
              text: ['Which of the following does NOT have to be protected per the PCI'],
              answer: 'The credit card type'
          },
          {
              text: ['Which of the following is an ACCEPTABLE best practice'],
              answer: 'Using an encrypted web-based point of sale terminal'
          },
          {
              text: ['Who is responsible for reporting possible violation'],
              answer: 'Everyone'
          },
          {
              text: ['Which of the following is NOT a common way in which a criminal'],
              answer: 'Randomly creating primary account numbers...'
          },
          {
              text: ['Which of the following statements is TRUE', 'PCI DSS requirements are derived from laws.'],
              answer: 'PCI DSS requirements are contractual obligations'
          },
          // P-101-PB-01: Privacy and Data Protection
          {
              text: ['What do you think the possible consequences are for failing to safeguard private data?'],
              answer: 'All of the above'
          },
          {
              text: ['Who do you think would be negatively affected if you were to accidentally release private data?'],
              answer: 'All of the above'
          },
          {
              text: ['What do you think the possible consequences are for failing to safeguard private data?'],
              answer: 'All of the above'
          },
          {
              text: ['Who do you think is responsible for protecting private data?'],
              answer: 'Everyone'
          },
          {
              text: ['Public', 'A person’s contact information (name and phone number) displayed on a company’s website.'],
              answer: 'Public'
          },
          {
              text: ['Public', 'A bank statement that can be traced back to an individual.'],
              answer: 'Nonpublic'
          },
          {
              text: ['Public', 'The product plans for an unreleased product.'],
              answer: 'Nonpublic'
          },
          {
              text: ['Public', 'A press release.'],
              answer: 'Public'
          },
          {
              text: ['Public', 'A list of dates of birth, with no other information.'],
              answer: 'Public'
          },
          {
              text: ['Public', 'A database of combined public records that can be used to identify an individual.'],
              answer: 'Nonpublic'
          },
          {
              text: ['Public', 'Health records that can be traced back to an individual.'],
              answer: 'Nonpublic'
          },
          {
              text: ['Public', 'Public information collected from a transaction with an individual, such as on an application form.'],
              answer: 'Nonpublic'
          },
          {
              text: ['Before we go any further, let´s make sure you can tell what is and is not private data.', 'Which of the following do you think is NOT private data?'],
              answer: 'A list of your friends names and addresses kept in your computer'
          },
          {
              text: ['Do you think anything special needs to be done in terms of privacy?'],
              answer: 'Yes...'
          },
          {
              text: ['Good Idea', 'A customer whose private data we hold points out that her name and date of birth are incorrect.'],
              answer: 'Bad Idea'
          },
          {
              text: ['Organizations have a responsibility to use physical and technical safeguards to protect the private data they hold.'],
              answer: 'True'
          },
          {
              text: ['Good Idea', 'A customer feels his private data is being compromised. You tell him you will help resolve the problem and let him know how to register a complaint.'],
              answer: 'Good Idea'
          },
          {
              text: ['It is ok to share private data with a third party if we stand to gain from it even though customers have opted out of information sharing.'],
              answer: 'False'
          },
          {
              text: ['A privacy notice is an optional guideline that we should strive to follow.'],
              answer: 'False'
          },
          {
              text: ['Use tiny print when creating a privacy notice and place it somewhere difficult for the customer to find.'],
              answer: 'Bad Idea'
          },
          {
              text: ['Use tiny print when creating a privacy notice and place it somewhere difficult for the customer to find.'],
              answer: 'Bad Idea'
          },
          {
              text: ['Which of the following do you think gives a customer a true "opt-in" choice?'],
              answer: '[Unchecked option]'
          },
          {
              text: ['Since accessing an email account requires a username and password, email is a secure way to send private data electronically.'],
              answer: 'False'
          },
          {
              text: ['Someone calls you and asks to change the password for their account.'],
              answer: 'Bad Idea'
          },
          {
              text: ['You receive a verified request to update a customer', 'inaccurate information and carry it out immediately.'],
              answer: 'Good Idea'
          },
          {
              text: ['secure any physical documents or media that contain private or nonpublic data before you leave your desk.'],
              answer: 'True'
          },
          {
              text: ['You minimize your applications, cover up documents, and work on something else until the visitor leaves.'],
              answer: 'Good Idea'
          },
          {
              text: ['It is ok to view the private data of friends and family so long as you do not tell them you accessed it at work.'],
              answer: 'False'
          },
          {
              text: ['You overhear a colleague discussing private data in public at a restaurant and listen in to the interesting details.'],
              answer: 'Bad Idea'
          },
          {
              text: ['to help ensure it is only used by those with a need to know and to make it easy to know what data or documents should be secured.'],
              answer: 'True'
          },
          {
              text: ['A confidentiality agreement must be in place with customers before we can share their private data with them.'],
              answer: 'False'
          },
          {
              text: ['A man calls in asking for information about his wife', 'You verify that they have the same last name and then give him the information.'],
              answer: 'Bad Idea'
          },
          {
              text: ['A customer calls in asking for her account information.', 'You first verify her identity then give her the information.'],
              answer: 'Good Idea'
          },
          {
              text: ['A customer you are assisting sees another customer walk out the door and asks if that was her friend Julia Smith.'],
              answer: 'True'
          },
          {
              text: ['Different types of data must be kept for different periods of time.', 'After that time has elapsed, the data should be destroyed.'],
              answer: 'DVDs and other media with private data should be disposed of by throwing them in the garbage'
          },
          {
              text: ['True or False? All private data we collect must be kept permanently.'],
              answer: 'False'
          },
          {
              text: ['Your medical records, held by your doctor.', 'Your credit card purchasing history, held by your bank.'],
              answer: 'Your medical records and credit card purchasing history without a way to trace them back to you.'
          },
          {
              text: ['Those with a need to know, such as those who must use the private data to complete their duties.', 'Those who are friends or family of the subject of the private data.'],
              answer: 'Both A and C are correct.'
          },
          {
              text: ['True or False? There is nothing you can do to help protect private data.'],
              answer: 'False'
          },
          {
              text: ['When private data is collected, a privacy notice should be given.', 'A privacy notice is a set of recommendations about handling private data, but not a binding contract.'],
              answer: 'A privacy notice is a set of recommendations about handling private data, but not a binding contract.'
          },
          {
              text: ['Earning and keeping the trust of customers, employees, and the generic public.', 'Complying with laws and regulations.'],
              answer: 'Preventing the release of public data.'
          },
          {
              text: ['True or False? In the U.S., only government, health, and financial records are protected by privacy laws.'],
              answer: 'False'
          },
          {
              text: ['Which of the following must be true for data to be considered private in the U.S.?'],
              answer: 'Both A and B are correct'
          },
          {
              text: ['Paper documents with private data should be stored in a locked drawer or filling cabinet.', 'Email is a secure way to transmit private data.'],
              answer: 'Paper documents with private data should be stored in a locked drawer or filling cabinet.'
          },
          {
              text: ['When a customer requests his or her private data, you must first verify their identity before disclosing it.', 'private data to his/her immediate family and close friends.'],
              answer: 'It is ok to disclose a customers private data to his/her immediate family and close friends.'
          },
          // DR-101: Data and Records Retention
          {
              text: ['Retain all documents indefinitely, you wouldn’t want to throw away something important.', 'Ask a supervisor for help when you are unsure about what to retain or delete.'],
              answer: 'Bad Idea - Retain all documents...<br />Good Idea - Ask a supervisor...<br />Bad Idea - Always maintain data...<br />Bad Idea - Destroy records...'
          },
          {
              text: ['Taking accurate notes about an issue with a customer you are dealing with.', 'Text messaging a funny but crude joke to a friend from work.'],
              answer: 'Good Idea - Taking accurate...<br />Bad Idea - Text messaging...<br />Bad Idea - Forwarding an...<br />Bad Idea - Emailing your...'
          },
          {
              text: ['The minutes taken at a board meeting.', 'An email from a disgruntled customer indicating that she may file a lawsuit.'],
              answer: 'Permanently - The minutes...<br />10 Years - An email from...<br />10 Years - Documentation...<br />Permanently - The documents...'
          },
          {
              text: ['A lunch invite from a co-worker via email.', 'A policy from the Marketing Department.'],
              answer: 'Until no... - A lunch invite...<br />10 Years - A policy from...<br />Permanently - The documents...<br />1 Year - An email from...'
          },
          {
              text: ['An accident report filed by an employee.', 'A disciplinary warning for an employee who has been off task.'],
              answer: '6 Years - An accident...<br />5 Years - A disciplinary...<br />Permanently - The termination...'
          },
          {
              text: ['An accident report filed by an employee 2 years ago.', 'A document relating to the promotion of an employee 6 years ago.'],
              answer: 'Saved - An accident...<br />Destroyed - A document...<br />Destroyed - An email regarding...'
          },
          {
              text: ['You and a co-worker have been emailing back and forth all day about various subjects, unrelated to work.'],
              answer: 'For as long as it is necessary'
          },
          {
              text: ['While discussing account information with a customer, he becomes angry and threatens to file a lawsuit against us.'],
              answer: 'Keep all documents and correspondence...'
          },
          {
              text: ['You are told about a litigation hold regarding a certain customer and situation, but it is time to clean out your email'],
              answer: 'False. A litigation hold overrides the retention schedule.'
          },
          {
              text: ['Following the data retention schedule helps prevent all of the following EXCEPT'],
              answer: 'Security breaches'
          },
          {
              text: ['You have just finished negotiations and have a signed contract from a new client.'],
              answer: '10 years'
          },
          {
              text: ['Keep things simple and follow this data retention policy: Keep everything.', 'That is the best thing for our organization.'],
              answer: 'False'
          },
          {
              text: ['Which of the following statements about documents and correspondence you create and store at work is FALSE?'],
              answer: 'They are protected by your privacy rights. Only you have access to them.'
          },
          {
              text: ['While cleaning out an old closet, you discover the annual financial records from 25 years ago.'],
              answer: 'Permanently'
          },
          {
              text: ['Only create documents that are essential to conduct business.', 'Retain data for as long as required by the data retention schedule.'],
              answer: 'If necessary, destroy data to ease the storage...'
          },
          {
              text: ['All hard copy records should be crumpled up and thrown in the garbage.', 'Electronic copies of data should be placed in a folder on your computer named'],
              answer: 'Data stored on media that cannot be erased...'
          },
          // 2020 Data Security and Retention Policy 1.2
          {
              text: ['Departmental policies and procedures, including manuals, manual codes,'],
              answer: '7 years'
          },
          // 2020 Information Security Policy 5.2.1
          {
              text: ['access privileges shall be authorized according to business need. User access to computer resources shall be provided only for legitimate business needs.'],
              answer: 'True'
          },
          {
              text: ['Cardholder data can be stored electronically, but must be done securely, for example by encryption.'],
              answer: 'True'
          },
          {
              text: ['Regardless of location, an employee of CMS must accompany visitors and non-employee guests at all times.'],
              answer: 'True'
          },
          // DI - Workplace Inclusion
          {
              text: ['The best way to become aware of differences is to know your neighbors.'],
              answer: 'False'
          },
          {
              text: ['Diversity and affirmative action mean the same thing.'],
              answer: 'False'
          },
          {
              text: ['Businesses that value diversity will likely experience all of the following'],
              answer: 'Increased employee turnover'
          },
          {
              text: ['Issues of diversity directly affect', 'Managing workplace talent'],
              answer: 'All of the above'
          },
          {
              text: ['When people feel valued', 'Believe their individual differences have been taken into account'],
              answer: 'All of the above'
          },
          {
              text: ['To build an organization that recognizes, values, and leverages human differences for a competitive advantage, employees must do'],
              answer: 'Ignore the differences in peoples assumptions'
          },
          // DI - Sexual Harassment Refresher
          {
              text: ['Perpetrators of sexual harassment can be', 'Coworkers', 'Neighbors'],
              answer: '- Coworkers<br />- Supervisors<br />- Clients'
          },
          {
              text: ['Workplace violence may include', 'Language that demeans another'],
              answer: '- Language that demeans another<br />- Stealing from a coworker<br />- Intentionally embarrassing a customer or coworker'
          },
          {
              text: ['The OCC investigates claims of sexual harassment.'],
              answer: 'False'
          },
          {
              text: ['All of the following are among factors that are used to determine whether an environment is hostile'],
              answer: 'The sex of the victim'
          },
          {
              text: ['Quid pro quo harassment can only occur between a superior and a subordinate'],
              answer: 'True'
          },
          {
              text: ['Whose responsibility is it to keep the workplace respectful', 'The bully'],
              answer: 'Everybody'
          },
          {
              text: ['Employers are responsible for', 'Having a sexual harassment policy'],
              answer: '- Having a sexual harassment policy<br />- Investigating sexual harassment claims quickly<br />- Asking the harassers to change their behavior<br />- Making complaint procedures public<br />- Treating all complaints seriously'
          },
          {
              text: ['When it comes to sexual harassment or bullying, managers are responsible for', 'Encouraging victims to speak up'],
              answer: '- Encouraging victims to speak up<br />- Reporting sexual harassment if they notice it<br />- Always acting appropriately'
          },
          {
              text: ['A company is not responsible for sexual harassment claims if it has a policy against it and provides staff training'],
              answer: 'False'
          },
          {
              text: ['If you feel you have been sexually harassed, you should attempt to resolve the issue on your own, involving human resources only as a last resort.'],
              answer: 'False'
          },
          // DI - Harassment
          {
              text: ['Reporting harassment makes your employer responsible for stopping the behavior.'],
              answer: 'True'
          },
          {
              text: ['Do you think this is an example of harassment?'],
              answer: 'No'
          },
          {
              text: ['A company is the only party that can be sued for harassment in the workplace.'],
              answer: 'False'
          },
          {
              text: ['A joke is sent to others via email that is of a sexual or violent nature can be harassing.'],
              answer: 'True'
          },
          {
              text: ['Sexual orientation is a federally protected class.'],
              answer: 'False'
          },
          {
              text: ['Calling someone names repeatedly after he or she asks you to stop can be harassment.'],
              answer: 'True'
          },
          {
              text: ['Sexual harassment can only occur between two people of the opposite sex.'],
              answer: 'False'
          },
          {
              text: ['A customer or client can perpetrate harassment.'],
              answer: 'True'
          },
          {
              text: ['Only females can claim sexual harassment.'],
              answer: 'False'
          },
          {
              text: ['It is important whether the "harasser" intended to hurt the "victim."'],
              answer: 'False'
          },
          {
              text: ['Profanity in the work place is just a part of life and should be expected.'],
              answer: 'False'
          },
          {
              text: ['The federal government protects employees who are harassed because of their'],
              answer: 'Gender'
          },
          {
              text: ['Most people belong to most of the various protected classes.'],
              answer: 'True'
          },
          {
              text: ['All of the following are key elements of harassment EXCEPT that the conduct must'],
              answer: 'Occur on work premises '
          },
          {
              text: ['Conduct may be considered sexual harassment even if the level of offense felt by the victim may seem'],
              answer: 'True'
          },
          {
              text: ['Harassment can occur in which of the following forms?', 'Verbal'],
              answer: 'All of the above'
          },
          {
              text: ['Two coworkers making religious jokes could be overheard by a third person who may become offended'],
              answer: 'True'
          },
          {
              text: ['Harassment can be committed by a', 'Any of the above'],
              answer: 'Any of the above'
          },
          {
              text: ['Workplace policies are based upon the', 'Least senior'],
              answer: 'Most sensitive'
          },
          {
              text: ['Victims of harassment can be', 'Any of the above'],
              answer: 'Any of the above'
          },
          {
              text: ['Harassment can occur between two people of the same sex'],
              answer: 'True'
          },
          {
              text: ['An employer is legally responsible for harassment, even if conduct was unintentional'],
              answer: 'True'
          },
          {
              text: ['Reporting harassment makes your employer responsible for stopping the behavior'],
              answer: 'True'
          },
          {
              text: ['Workplace behavior should be guided by the same behavior an employee exhibits during social interactions'],
              answer: 'False'
          },
          {
              text: ['Who can be held personally liable for their actions in a harassment situation'],
              answer: 'All of the above'
          },
          // DI - Defamation
          {
              text: ['How many elements must be present to qualify an act as defamation'],
              answer: 'Three'
          },
          {
              text: ['All of the following are elements of defamation EXCEPT that the statement must be'],
              answer: 'Made intentionally'
          },
          {
              text: ['If a statement is true, no matter how harmful, it is not defamation'],
              answer: 'True'
          },
          {
              text: ['Defamatory verbal statements and gestures are called'],
              answer: 'Slander'
          },
          {
              text: ['Two employees are having lunch and talking about how a colleague, Harry, plagiarized large sections'],
              answer: 'Only if the statement is false'
          },
          {
              text: ['An employee who is known to be homosexual has been absent from work frequently'],
              answer: 'Yes'
          },
          {
              text: ['If someone gets the reputation of being a whistle-blower or someone who files discrimination complaints'],
              answer: 'Get a written letter of rec...'
          },
          {
              text: ['Employers can knowingly make false statements about employees or ex-employees and be protected under qualified privilege'],
              answer: 'False'
          },
          // DI - Language
          {
              text: ['Silence occurs while you are interacting with a non-native English speaker', 'This could mean that the other'],
              answer: 'All of the above'
          },
          {
              text: ['has some offensive terms connected with its membership'],
              answer: 'Protected class'
          },
          {
              text: ['People usually make offensive comments because of all the following EXCEPT that they'],
              answer: 'Know their words will hurt another'
          },
          {
              text: ['You should know about the cultural variations in language of all your customers'],
              answer: 'False'
          },
          {
              text: ['Which of the following statements could be discriminatory', 'All sales clerks must wear pantsuits to work'],
              answer: 'An analyst can succeed...'
          },
          {
              text: ['All of the following statements are inappropriate', 'The handicapped employee is surprisingly competent'],
              answer: 'Susan Thomas has been named...'
          },
          {
              text: ['The best way to avoid inappropriate or offensive language in the workplace is to speak about others as you would want'],
              answer: 'True'
          },
          {
              text: ['All of the following are ways to eliminate discriminatory language from the workplace', 'Speaking up about inappropriate language'],
              answer: 'Ignoring the offensive language '
          },
          // General Data Protection Regulation
          {
              text: ['The GDPR applies to companies located within the EU, but not to companies and businesses located outside of the EU that offer goods'],
              answer: 'False'
          },
          {
              text: ['The GDPR requires the contract between controllers and processors to include these stipulations'],
              answer: 'All of the above'
          },
          {
              text: ['Under the BDPR, EU data subject have the rights to'],
              answer: 'All of the above'
          },
          {
              text: ['Select all that apply. Under the GDPR, a request for consent must'],
              answer: '- Be unambiguous<br />- Be easily accessible<br />- Be distinguishable from other documents<br />- Use clear and plain language<br />- Have the purpose for data processing attached'
          },
          {
              text: ['GDPR', 'stands for', 'General Data Protection Regulation'],
              answer: 'General Data Protection Regulation'
          },
          {
              text: ['The concept of privacy by design means that privacy and data protection should be considered as an addition'],
              answer: 'False'
          },
          {
              text: ['Records documenting GDPR compliance must be maintained for all processing activities involving personal data.'],
              answer: 'True'
          },
          {
              text: ['Organizations can be fined up to', 'of the worldwide annual revenue of the prior financial year or'],
              answer: '4% / €20'
          },
          {
              text: ['Examples of personal data include a subject', 'Medical information'],
              answer: '- Name<br />- Email address<br />- Medical information<br />- IP address'
          },
          {
              text: ['The GDPR applies even if the actual processing of personal data of EU data subjects does not take place in the EU'],
              answer: 'True'
          },
          {
              text: ['based financial institution processes data about individuals in the context of selling goods or services to citizens in EU countries', 'it is not required to comply with the GDPR'],
              answer: 'False'
          },
          {
              text: ['The GDPR applies to the processing of personal data by', 'Comptrollers'],
              answer: '- Controllers<br />- Processors'
          },
          {
              text: ['A controller or processor not established in the EU will be subject to the GDPR if processing'],
              answer: '- Personal data of an EU...<br />- Is related to the monitoring of...'
          },
          {
              text: ['The expansion of the territorial scope outside the EU is one of the main objectives of the GDPR'],
              answer: 'True'
          },
          {
              text: ['Covered financial institutions will have to implement processes to comply with the new GDPR'],
              answer: '72'
          },
          // HH-101 HIPAA HITECH Privacy for Business Associates
          {
              text: ['The HITECH Act amended HIPAA with stronger privacy requirements and higher penalties.'],
              answer: 'Organizations can be fined when an employee...'
          },
          {
              text: ['A Business Associate of a Covered Entity does not need to safeguard Protected Health Information unless it has been contractually agreed upon.'],
              answer: 'False'
          },
          {
              text: ['An administrator at a hospital sends a file containing information about patient co-pays in the oncology'],
              answer: 'Yes'
          },
          {
              text: ['You notice that an organization with which we share PHI is failing to protect the privacy or security of PHI'],
              answer: 'Report the issue to the Privacy Officer.'
          },
          {
              text: ['Lucas, who works in a medical billing company, realizes that owing to a spreadsheet error'],
              answer: 'Yes'
          },
          {
              text: ['A physical therapist in a nursing home notices that one of her patients is becoming significantly less flexible along the spine despite consistent stretching'],
              answer: 'No'
          },
          {
              text: ['Since no authorization is required in the previous example, does the physical therapist still need to safeguard the information'],
              answer: 'Yes'
          },
          {
              text: ['The FDA requires us to report adverse reactions to certain products such as medications. Do you think we need patient authorization to'],
              answer: 'No'
          },
          {
              text: ['A pharmaceutical company wants to pay a medical practice to send out material about a new drug to those patients who suffer from high blood pressure'],
              answer: 'Yes'
          },
          {
              text: ['Which of the following people do you think needs to see a patient', 'A doctor providing treatment'],
              answer: 'Yes'
          },
          {
              text: ['A representative from an outside billing service.'],
              answer: 'No'
          },
          {
              text: ['The in-house operator who routes calls to patients'],
              answer: 'No'
          },
          {
              text: ['A coworker is having trouble with email and decides to use a free email service to send electronic files that contain PHI'],
              answer: 'Yes'
          },
          {
              text: ['A coworker leaves for lunch with documents containing PHI scattered on his desk where others can see them'],
              answer: 'Yes'
          },
          {
              text: ['If you wish to release an individual', 'PHI in a way not allowed by HIPAA, what do you think you must obtain'],
              answer: 'A signed Authorization Form.'
          },
          {
              text: ['Lee works for a Business Associate that does medical billing', 'A patient has paid for medical treatment out of pocket and has requested that the information related to that treatment not be shared'],
              answer: 'Yes'
          },
          {
              text: ['A father demands a copy of the medical record of his sixteen-year-old daughter as provided by HIPAA. Her physician knows that the record reflects a pre-marital pregnancy that her father is unaware'],
              answer: 'Yes'
          },
          {
              text: ['You work at a health insurance company', 'A customer asks you to call her office rather than her home because she has been threatened by her husband'],
              answer: 'Yes'
          },
          {
              text: ['You work at a pediatrician', 'mother asks you to send all mailings in closed envelopes rather than on post cards'],
              answer: 'Yes, no questions asked'
          },
          {
              text: ['Which of the following is true about HIPAA'],
              answer: 'All of the above'
          },
          {
              text: ['Protected health information (PHI) only refers to written documents inside an individual'],
              answer: 'False'
          },
          {
              text: ['Where do you think instructions for filing a complaint should be placed'],
              answer: 'A Privacy Notice'
          },
          {
              text: ['The HITECH Act was enacted to encourage the adoption of Electronic Health Records'],
              answer: 'True'
          },
          {
              text: ['An e-mail containing PHI that is sent in an encrypted format, but is not stored in an encrypted format is considered "secure" under the HITECH Act'],
              answer: 'False'
          },
          {
              text: ['Which of the following entities must provide a Privacy Notice', 'Business Associates'],
              answer: 'Both A and C'
          },
          {
              text: ['In order to simplify things, a colleague suggests that we require anyone who uses our services to waive all rights under HIPAA by signing a broad authorization to use their PHI in any way necessary'],
              answer: 'No'
          },
          {
              text: ['A privacy breach occurs when there has been unauthorized internal or external access to PHI', 'There are no exceptions'],
              answer: 'False'
          },
          {
              text: ['If you become aware of a small privacy breach, there is no need to bother your supervisor or the Privacy Officer with the information'],
              answer: 'False'
          },
          {
              text: ['Which of the following statements is FALSE regarding the actions that must be taken if there is a privacy breach affecting over 500 individuals in a single state'],
              answer: '?'
          },
          {
              text: ['When is a valid authorization required', 'When releasing PHI to an employer from a pre-employment screening'],
              answer: 'When releasing PHI to an employer from a pre-employment screening'
          },
          {
              text: ['A signed acknowledgement of receipt of a Privacy Notice is NOT the same as an authorization'],
              answer: 'True'
          },
          {
              text: ['A valid authorization must contain which of the following', 'A specific description of the PHI to be used or disclosed'],
              answer: '?'
          },
          {
              text: ['A representative of a government agency asks to see an individual', 'You are not sure whether the disclosure would be proper under HIPAA'],
              answer: 'Ask the Privacy Officer before releasing the necessary information.'
          },
          {
              text: ['When an individual files a complaint, our policy allows you to respond in which of the following ways'],
              answer: 'Refraining from taking intimidating or retaliatory actions.'
          },
          {
              text: ['An individual asks to see her medical record', 'She then asks to have an error in it corrected', 'How much time do we have in order to make the correction'],
              answer: '60 days'
          },
          {
              text: ['All of the following are PHI EXCEPT', 'A personal letter your best friend writes to'],
              answer: 'A personal letter your best friend writes to you in which she mentions she has been diagnosed with asthma.'
          },
          {
              text: ['A Privacy Notice is not the same as an authorization', 'When an individual is given a Privacy Notice, it does NOT mean that his or her PHI can be released.'],
              answer: 'True'
          },
          {
              text: ['When engaging in TPO (Treatment, Payment, and Operations), a Covered Entity MUST have individual authorization in order to use PHI.'],
              answer: 'False'
          },
          {
              text: ['Which of the following does HIPAA require us to do', 'Safeguard Protected Health Information'],
              answer: 'Both A and C'
          },
          {
              text: ['To be individually identifiable, health information must do which of the following'],
              answer: 'Both A and B'
          },
          // 2020 Employee Policies
          // {
          //     text: [''],
          //     answer: ''
          // },
          // ??
          {
              text: ['Paper files with sensitive data are only to be kept for the immediate business need. If files are needed'],
              answer: 'True'
          },
          {
              text: ['To prevent unauthorized use to personal computers (PC), log-off your PC any time you to walk away'],
              answer: 'True'
          },
          {
              text: ['I certify that I have received, read, and fully understand the'],
              answer: 'I agree.'
          },
  
          {
              text: ['CMS reserves the right to monitor the use of all'],
              answer: 'true'
          },
          {
              text: ['Employees must use extreme caution when opening'],
              answer: 'true'
          },
          {
              text: ['Employees may not speak on behalf of the'],
              answer: 'true'
          },
  
          {
              text: ['Money Laundering is the criminal practice of f'],
              answer: 'true'
          },
          {
              text: ['Adequate due diligence on new and existing customers is a key pa'],
              answer: 'All of the above'
          },
          {
              text: ['CMS is required by law to establish an ongoing employee-training program so as to ensure its staff members are adequately trained in KYC procedures.'],
              answer: 'true'
          },
          {
              text: ['Unfair, deceptive, or abusive acts and practices ("UDAAP"'],
              answer: 'All of the Above'
          },
          {
              text: ['The Dodd-Frank Act makes it unlawful for any service provider to engage'],
              answer: 'true'
          },
          {
              text: ['Consumer complaints received through online or'],
              answer: 'All of the Above'
          },
          {
              text: ['Risk assessments are designed to identify and assess the overall risks to CMS including s'],
              answer: 'true'
          },
          {
              text: ['Risks to CMS include:'],
              answer: 'All of the Above'
          },
          {
              text: ['What are CMS Enhanced Due Diligence categories?'],
              answer: 'Direct Sales, travel services, vehicle service'
          },
          {
              text: ['Risk assessments are designed to identify and assess the overall risks to CMS including strategic, operational, fraud, credit, compliance, legal and reputation risk.'],
              answer: 'true'
          },
          {
              text: ['Financial services company must monitor the activities of employees to ensure they do not engage in unfair, deceptive, or abusive acts or practices with respect to consumer interact'],
              answer: 'false'
          },
          {
              text: ['A representation may be __________ if the majority of consumers in the target class do not share the consumer'],
              answer: 'Deceptive'
          },
          {
              text: ['Under Regulation Z and the Truth in Lending Act, creditors must'],
              answer: 'Clearly'
          },
          {
              text: ['The Federal Trade Commission (FTC) has the authority to protect consumers'],
              answer: 'true'
          },
          {
              text: ['Who has rulemaking authority for UDAAP?'],
              answer: 'CFPB'
          },
          {
              text: ['All of the following are required to support the standard for unfairness under UDAAP, EXCEPT'],
              answer: 'The injury was not caused on purpose'
          },
          {
              text: ['Substantial injury can include monetary harm.'],
              answer: 'true'
          },
          {
              text: ['Emotional impact may not amount to or contribute to substantial injury'],
              answer: 'false'
          },
          {
              text: ['All of the below must be present to show that an act or practice is deceptive under UDAAP, EXCEPT:'],
              answer: 'The consumer\'s interpretation of the representation, omission, act, or practice is accepted regardless of the circumstances'
          },
          {
              text: ['A representation may be deceptive even if the majority of consumers in the target class'],
              answer: 'true'
          },
          {
              text: ['The legal standards for abusive, unfair, and deceptive acts'],
              answer: 'false'
          },
          {
              text: ['What is a red flag to conduct a detailed review of a practice?'],
              answer: 'Presense of Complaints'
          },
          {
              text: ['A single substantive complaint does not warrant further review or raise serious concerns.'],
              answer: 'false'
          },
          {
              text: ['When reviewing complaints for your financial services company'],
              answer: 'Regulators'
          },
          {
              text: ['s UDAAP program provides guidelines and rules'],
              answer: 'Complaint management'
          },
          {
              text: ['disclose the costs and terms of credit'],
              answer: 'true'
          },
          {
              text: ['An unfair, deceptive, or abusive act or practice never violates other federal or state laws'],
              answer: 'false'
          },
          {
              text: ['overarching policies are administered by all of the following EXCEPT'],
              answer: 'Sectretarial pool'
          },
          {
              text: ['Financial services companies should ensure UDAAP'],
              answer: 'Annual report to investors'
          },
          {
              text: ['Types of systematic measures acting as internal controls instituted by a financial services'],
              answer: 'true'
          },
          {
              text: ['Procedures and scripts used by internal or external debt collectors is not'],
              answer: 'false'
          },
          {
              text: ['Social media communications do not have to be reviewed'],
              answer: 'false'
          },
          {
              text: ['Underwriting of credit files should accurately represent the amount of usable credit that the consumer will receive, '],
              answer: 'true'
          },
          {
              text: ['but the company does not need to monitor the activities of third-party'],
              answer: 'false'
          },
          {
              text: ['All of the following fall represent a higher-risk for UDAAP compliance EXCEPT'],
              answer: 'Loans secured by property'
          },
          {
              text: ['Financial institutions do not need to identify inherent risks related to consumer harm'],
              answer: 'false'
          },
          {
              text: ['A(n) _______ is a waiver of the consumer'],
              answer: 'Confession of judgement'
          },
          {
              text: ['A cosigner shares the responsibility for the debt with the borrower. If the borrower does not pay the debt, the cosigner is responsible for repaying the remaining balance of the debt'],
              answer: 'true'
          },
          {
              text: ['A(n) _______ is the requirement of a creditor, as a condition of granting credit, '],
              answer: 'Assignment of wages'
          },
          // FSC - BSA Awareness and Protection
          {
              text: ['The primary difference between money laundering and terrorist financing is that the intent of money laundering is to hide the ________ of funds, whereas terrorist financing seeks to hide the _______ of the funds.'],
              answer: 'Source / Purpose'
          },
  
          {
              text: ['he primary purpose of the Bank Secrecy Act (BSA) is to assist the United States government in the detection and prevention of money laundering, terrorist financing, and other illegal financial activity'],
              answer: 'true'
          },
          {
              text: ['Criminals disguising the source of the money by performing a series of intricate transactions through the world'],
              answer: 'Money Laundering'
          },
          {
              text: ['Select all that apply. The three independent steps in the money laundering process include'],
              answer: 'Integration, Placement, Layering'
          },
          {
              text: ['When a customer purchases money orders or traveler', 'checks for cash for which amounts must an institution obtain'],
              answer: 'From $3,000 to $10,000, inclusive'
          },
          {
              text: ['s Customer Identification Program (CIP) applies to all customers.'],
              answer: 'false'
          },
          {
              text: ['intent is to hide the ________ of funds, whereas terrorist financing seeks to hide the _______ of the funds'],
              answer: 'Source / Purpose'
          },
          {
              text: ['John, a Money Express customer, uses cash to purchase $6,000 in traveler'],
              answer: 'Yes'
          },
          {
              text: ['________ is a bureau of the U.S. Department of the Treasury with the mission to safeguard the financial system from illicit use, combat money laundering'],
              answer: 'FinCEN'
          },
          {
              text: ['Select all that apply. The USA PATRIOT Act was enacted to'],
              answer: '3 - To place more scrutiny..., Establish information sharing..., Criminalize the financials of...'
          },
          {
              text: ['The penalties for violating the Bank Secrecy Act can be civil, criminal, or intangible'],
              answer: 'true'
          },
          {
              text: ['All MSBs must register with FinCEN'],
              answer: 'false'
          },
          {
              text: ['Information that must be reported on a SAR includes all the following EXCEPT'],
              answer: 'Apparel worn...'
          },
          {
              text: ['A CTR must be completed for any individual or multiple cash transaction totaling at least'],
              answer: '10,000.01'
          },
          {
              text: ['A record must be kept for the exchange of currency in the amount of  ___'],
              answer: '1,000'
          },
          {
              text: ['A _________ must be completed for any transaction of at least $2,000 aggregate that the institution knows or suspects might be suspicious'],
              answer: 'Suspicious activity report'
          },
          {
              text: ['All of the following are among the five pillars of an AML program EXCEPT'],
              answer: 'Institution registration with FINCEN'
          },
          {
              text: ['The BSA requires MSBs to have a formalized Customer Identification Program'],
              answer: 'false'
          },
          {
              text: ['The USA PATRIOT Act generally prohibits doing business with Politically Exposed Persons (PEPs)'],
              answer: 'false'
          },
          {
              text: ['Section 326 of the USA PATRIOT Act added additional provisions to the overall Bank Secrecy Act (BSA) requirements'],
              answer: 'true'
          },
          {
              text: ['The Know Your Customer principals'],
              answer: 'Types of acceptable identification'
          },
          {
              text: ['Telling a customer you need to file a SAR is appropriate because it is the law'],
              answer: 'false'
          },
          {
              text: ['Select all that apply. What information should be included in a SAR'],
              answer: 'ALL'
          },
          {
              text: ['One of the primary purposes of the Bank Secrecy Act is to help deter money laundering by creating a "paper trail" and an "information trail."'],
              answer: 'true'
          },
          {
              text: ['Certain information must travel to the next financial institution processing the transfer.'],
              answer: 'true'
          },
          {
              text: ['Select all that apply. The Bank Secrecy Act is the law that requires financial institutions, casinos, and certain other businesses to'],
              answer: '- Monitor customer behavior<br />- File reports on transactions...<br />- Maintain records of certain cash transactions'
          },
          {
              text: ['s core activities involve "following the money," which includes all of the following EXCEPT'],
              answer: 'Charging Import and Duty Fees'
          },
          {
              text: ['core activities involve', 'Receiving and maintaining financial transactions data', 'All of the above'],
              answer: 'Charging Import and Duty Fees'
          },
          {
              text: ['s checks for cash for which amounts must an institution obtain and retain certain information about the customer'],
              answer: 'between 5000 and 9999'
          },
          // FSC - AML Awareness and Protection
          {
              text: ['Placement, layering, and integration are steps in this criminal process of exploiting financial services businesses.'],
              answer: 'Money Laundering'
          },
          {
              text: ['Money laundering is the process of making ___________ appear _________'],
              answer: 'Illegal gained proceeds / legal'
          },
          {
              text: ['Terrorist financing involves the solicitation, collection, or provision of funds with the intention that they be used to support terrorist acts or organizations.'],
              answer: 'true'
          },
          {
              text: ['The ____________ was designed to create an investigative "paper trail" for large currency transactions by establishing reporting standards and requirements (e.g. the CTR requirement)'],
              answer: 'Bank Secrecy Act'
          },
          {
              text: ['The Money Laundering Control Act made money laundering a federal crime. All of the following offenses were created with this law EXCEPT'],
              answer: 'Sending laundered money across international borders'
          },
          {
              text: ['The Anti-Drug Abuse Act requires strict identification and recording of cash purchases of certain monetary instruments, including money orders and traveler'],
              answer: 'true'
          },
          {
              text: ['The ___________ strengthened penalties for financial institutions found guilty of money laundering'],
              answer: 'Anunzio-Wylie anti money...'
          },
          {
              text: ['As required by the USA PATRIOT Act, each financial institution'],
              answer: 'Policies, procedures and controls; designation of a compliance officer; training; and an independent audit function'
          },
          {
              text: ['The intent of an AML program is to identify products, services, geographic locations, and points of customer interaction that are most susceptible to money laundering and terrorist financing activities'],
              answer: 'false'
          },
          {
              text: ['The BSA requires your AML program to have risk-based internal controls (policies and procedures)'],
              answer: 'true'
          },
          {
              text: ['The BSA requires that financial services businesses, including MSBs, have a written _______________ that addresses the four "pillars."'],
              answer: 'AML Program'
          },
          {
              text: ['Internal controls is one of the four "pillars" of an AML program'],
              answer: 'true'
          },
          {
              text: ['Internal money laundering controls should provide for all of the following EXCEPT'],
              answer: 'Business continuity plans for data security'
          },
          {
              text: ['A __________ approach combats money laundering and terrorist financing and allows your company to direct resources to where the risk is the greatest.'],
              answer: 'Risk-based'
          },
          {
              text: ['FinCEN further discourages financial services businesses to adopt policies and procedures that incorporate the Basel Committee Statement of Principles on Money Laundering'],
              answer: 'false'
          },
          {
              text: ['Program continuity despite changes in management or employee composition or structure would be considered a topic to include in your AML policies and procedures.'],
              answer: 'true'
          },
          {
              text: ['MSBs must file SARs with FinCEN when a transaction is both suspicious and _________ or more'],
              answer: '2,000'
          },
          {
              text: ['Financial services businesses, including MSBs, should file SARs with FinCEN for any suspicious transaction that deals with known or suspected theft or abuse of a person'],
              answer: 'true'
          },
          {
              text: ['A Currency Transaction Report (CTR) must be completed for any individual or multiple cash transaction totaling at least'],
              answer: '10,000'
          },
          {
              text: ['A record must be kept for the exchange of currency in the amount of _____ in cash'],
              answer: '1,000'
          },
          {
              text: ['Certain MSBs are required to register with'],
              answer: 'FinCen'
          }
  
  
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