REMIC Mortgage Agent Course Live Webcast - $385

All web class courses include full online resources and run from 9:30 am to 4 pm. Due to ongoing delays with Canada Post, textbook delivery may take up to 7-10 days to arrive.

December
December 2 - 6, 2024Mon-FriLive webcast
9:30am - 4pm EST		Register
December 9 - 13, 2024Mon-FriLive webcast
9:30am - 4pm EST		Register
December 16 - 20, 2024Mon-FriLive webcast
9:30am - 4pm EST		Register
December 22, 29, January 5, 12, 19, 20245 SundaysLive webcast
9:30am - 4pm EST		Register
December 30 - January 3, 2024/5Mon-FriLive webcast
9:30am - 4pm EST		Register
January
January 6 - 10, 2025Mon-FriLive webcast
9:30am - 4pm EST		Register
January 7,8,9,14,15,16,21,22,23,28,29,30, 2025Weeknights over 4 weeks 6:30 - 9 pmLive webcast
6:30 - 9pm EST		Register
January 13 - 17, 2025Mon-FriLive webcast
9:30am - 4pm EST		Register
January 20 - 24, 2025Mon-FriLive webcast
9:30am - 4pm EST		Register
January 26, February 2, 9, 16, 23, 20255 SundaysLive webcast
9:30am - 4pm EST		Register
January 27 - 31, 2025Mon-FriLive webcast
9:30am - 4pm EST		Register

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Course FAQs

T2202A forms are issued to students who have paid $100.00 or more in eligible fees for qualifying courses beginning and ending in a particular calendar year.

In depth questions regarding the use of the T2202A form in the tax preparation process should be directed to Revenue Canada. Tax guides are available from any Revenue Canada office or a Post Office. Revenue Canada also publishes a booklet called “Students & Income Tax” – Government form P105(E).

Official receipts for income tax purposes covering tuition fees paid for qualifying courses taken during the preceding calendar year are available in late February. In accordance with Revenue Canada regulations, official receipts (T2202A Forms) are only issued for tuition fees totalling $100.00 or more. Materials and administrative fees are not eligible for tax deduction.

You have 3 hours to complete the exam.

The final exam consists of 50 multiple choice questions, many based on case studies that are designed to test your knowledge and understanding of the course material as required by the Financial Services Regulatory Authority of Ontario (FSRA).

Exams can now be completed fully online. If you are doing the course online and within the GTA, REMIC hosts examinations at our head office training facility at Sheppard and Victoria Park. Students can schedule exams through the portal.

If writing in person in the GTA you will have access to your final mark online the same day as you wrote your examination. If writing at a College or University we will typically advise you within 24 hours as we request that the College or University fax your exam to us immediately as well as courier your original exam to us. If writing online your results is typically available within 3 business days.

Once you have been notified that you have passed the course you will be required to log in to the online section of the course and complete our feedback. You will then be able to print your certificate of completion and save it electronically.

You must bring your photo ID (either a driver’s license or valid passport) and one additional piece of valid identification, , a pen or pencil and your calculator. No other aids are allowed during the exam.

REMIC gives you access to an Exam Review Report that details the section and topics from the textbook that you missed. If you fail the exam you may request to review it at a time convenient to both yourself and REMIC (due to current restrictions the exam review is not available at this time). Please refer to our Policies and Procedures Manual for additional information.
If you fail the exam you can arrange a rewrite exam at the next available exam date. If you fail the rewrite you must re-enroll in the course, paying the full tuition. This is a FSRA requirement.
REMIC does not publicize these statistics as they have no impact on your individual results and in publicizing these types of statistics a student may put more or less work into the course than required based on his or her perception.
The course is valid for 2 years from the time you pass your exam. If you do not obtain a mortgage agent license within this time you must retake the course.
No, however they are designed to help you understand the material and will greatly increase your chances of passing the final exam. While your final grade is based solely on the final exam, it is strongly recommended that you complete all assigned tasks in the course.
Once you have passed the course you must then be hired by a licensed mortgage brokerage that will initiate the licensing process on your behalf. This is a Financial Services Regulatory Authority (FSRA) requirement.
Yes, there is a mandatory course that you will need to take before you are able to renew your license. You can find more info on the CE for mortgage agents and brokers by clicking here.
Yes, the REMIC Mortgage Agent Course (RMAC) is approved by FSRA and meets the educational requirements to obtain a mortgage agent license in Ontario.
A broker and agent both ‘broker’ mortgages, however a broker may also hire agents and be the principal broker of a brokerage (equivalent to the Chief Compliance Officer). A broker does not necessarily earn more on a mortgage transaction than an agent. In addition, a broker must have been a licensed agent, level 2 for at least two years, take and pass the broker course for licensing, and be approved by FSRA to upgrade his or her license from an agent to a broker.
Once you have passed the course you will have the option to create a free account in the REMIC Job Bank. The Job Bank allows you to view job postings from brokerages across Ontario. Like a typical job bank, mortgage brokerages will also have access to your resume and cover letter (should you include them), allowing them to contact you directly and setup an interview. REMIC will provide you information and resources that will assist you in the interview process; understanding the procedures and knowing the right questions are vital when choosing a brokerage to join as a mortgage agent. This is a completely free service for all previous REMIC RMAC students.

Through REMIC’s secure shopping cart you can pay by credit card or using your PayPal account. In person at 2175 Sheppard Avenue East, Suite 307 where you can pay by debit card, Visa, Mastercard or cash.
Registration is easy. Simply go to remic.ca/mortgage-agent-course and follow the instructions using our secure online payment system. You can also register in person at our head office training facility at 2175 Sheppard Ave East Suite 307 North York, ON, M2J1W8 (Business hours are Mon-Fri, 9AM – 5PM). We accept Visa, Mastercard, debit or cash.
You will receive an online login immediately following your registration that gives you access to an electronic version of the textbook, whether you are doing the course in-class or online. This way you can get started in the course right away! REMIC will also ship you a hard copy of the textbook within 2 business days.
The cost of the course ranges from $338 to $385 (printed textbook + shipping) and includes online delivery and the final examination.
No, the course is available to anyone, however it is recommended that you have at least a high school education with equivalent English or French language and math skills.
Whether you register for an in-class or online course you will have immediate access to the online information. This includes a soft copy of the textbook, audio-backed video tutorials, assignments, discussions, a case study and a full exam prep guide and practice exam. REMIC will also ship you a hard copy of the textbook within 2 business days. All registrations are subject to REMIC’s acceptance policy. Any students not accepted will have their registration fee fully refunded.

A student who wishes to withdraw from RMAC may do so by completing the request to withdrawal form and submitting it to REMIC. Please click here to open the Student Academic Policy which includes the withdrawal form. Upon receipt the request will be processed based on the following schedule: After registration but before the examination AND within 30 days of registration: 100% refund MINUS a $150 withdrawal fee. During or after the examination or after 30 days after registration: No credit and No refund.
Yes, during your enrollment you can withdraw and transfer the course to someone else. However, this is not authorized if you have already attempted the final exam. There is a $100 fee to do this.
If taking RMAC online you have the flexibility to begin your course at any date, and you may complete it within as little as one week or up to 6 months – the choice is yours. If taking the in-class course you must begin and end the course on set dates.
This depends on your learning skills. While some take longer others learn and understand the material more quickly. The course is designed to be completed in 47 hours, which includes online exercises, tutorials, assignments, tests, and reading. We suggest that you set aside at least this amount of time to complete the course.
Only qualified, experienced industry experts are used to teach the course, which was developed by veteran industry expert and REMIC President, Joseph J. White who is also the author of the textbook.
No, the course is designed for those with basic computing skills, however the course contains rich, interactive content designed to engage you.
Of course! Your Professor, an industry professional, is there to help, Monday to Friday during regular business hours.
No, we are here to help! Your online course has a dedicated Professor who will interact with you, answering your questions and helping you along the way, when you need it. In addition, you are able to communicate with your fellow students in the course via chat message and open discussions.
Yes. You can complete the course in as little as one week or take up to 6 months – the choice is yours.
REMIC offers the REMIC Mortgage Agent Course (RMAC) in house to several brokerages, based on the brokerage meeting certain quality control and professional standards. The course is taught by a REMIC Professor and standard exam security is employed regardless of the location of the course. There is no difference in the course cost, content and/or exam, regardless of where it is delivered. A brokerage may charge an additional fee to the student for additional services it provides before or after the course.

Mortgage Agent Course Live Webcast

Mortgage Agent Course Live Webcast

Live Webcast Course

REMIC Mortgage Agent Course Live Webcast - $385

Below is the schedule for 1 week as well as 5 weeks (Sundays Only)

All Web Class Courses Include Full Online Resources And Run From 9:30 Am To 4 Pm. Due To Ongoing Delays With Canada Post, Textbook Delivery May Take Up To 7-10 Days To Arrive.

REMIC offers 3 different types of live webcast registration (courses) designed to meet the varying needs of our students who prefer the live-class experience. All courses run from 10AM – 4PM (9:30 AM to 4 PM as of Jan 1, 2022) and all modes include:

  • A hard copy of the mortgage agent textbook (shipping extra)
  • Immediate full online access including a exam preparation guide and practice exams
  • An in-person exam and a free in-person rewrite if necessary (In-person exam dates will be available post-COVID, additional fees may apply for online proctored exams)

Live webcast courses are perfect for you if you prefer the live course experience but do not want to attend a physical in-class setting. During the web class you will be able to ask questions and get immediate response from the instructor.

Online Course Summary:
  • Course Length: 47 hours (estimated)
  • Course Delivery: In class or in class & online
  • Final Examination: 3 hours (Online through our Online Proctored Exam partner)
  • Enrolment Period: one week up to 6 months
  • Presented in the English language
Topics Covered:

REMIC’s textbook ‘Mortgage Brokering in Ontario – Agent Edition is what REMIC’s mortgage agent course is based on. The textbook is comprised of 23 different Chapters as per below, that touch on all the aspects that are included in the mortgage process. If you are looking for a detailed breakdown of the type of information that is in the course, you can click here to view the full table of contents.

Chapter 1: Market OverviewChapter 13: Application Analysis – Application Ratios
Chapter 2: Basic Mortgage ConceptsChapter 14: Application Analysis – Borrower Credit
Chapter 3: Advanced Mortgage ConceptsChapter 15: Application Analysis – The Property
Chapter 4: Property Ownership in OntarioChapter 16: Choosing the Lender
Chapter 5: Regulation and LegislationChapter 17: Submitting the Application
Chapter 6: Transaction OverviewChapter 18: Borrower Disclosure
Chapter 7: Insurance in the Mortgage IndustryChapter 19: Closing the Transaction
Chapter 8: Calculating a Mortgage PaymentChapter 20: Contract Law
Chapter 9: Attracting a ClientChapter 21: Mortgage Remedies
Chapter 10: First ContactChapter 22: Mortgage Fraud
Chapter 11: The Initial ConsultationChapter 23: Ethics and Mortgage Brokering
Chapter 12: Application Analysis – Borrower DocumentsFinal Case Study

The Final Examination:

The RMAC Final Exam can be completed through our Online Proctoring Service any time before your course expiration date, although we recommend booking the exam at least 7 days before that date. RMAC provides you with all of the material you need to prepare for the exam, including an exam preparation quiz that based on previous exams. Once your exam is completed, the review process takes up to 3 days. If you pass the exam, you’ll then get access to your certificate!

  • Exam format: Online Proctored Exam OR in-person at REMIC’s Toronto office (limited availability)
  • Exam length: 3 hours
  • Question format: Multiple Choice (some questions will reference a case study)
  • Attempts: 2 attempts (REMIC pays for your first attempt, and you pay for a rewrite through our Online Proctored Exam service if required. You may alternatively choose to re-write in-person if you would prefer a free rewrite. REMIC is the only provider that offers a free rewrite!
  • Passing grade: 60% (30/50)

Please see the Online Proctored Exam Rules.

Prerequisites for the course:

The mortgage agent course in Ontario is available to anyone; however it is recommended that you have at least a high school education with equivalent English or French language and math skills.

Prerequisites for licensing:

The Financial Services Regulatory Authority of Ontario (FSRAO) has set out the following additional requirements in order to become licensed after completing the course:

  • be 18 years of age or older,
  • be a resident of Canada,
  • have a mailing address in Ontario that can receive registered mail (not a post office box),
  • be authorized by a Mortgage Brokerage to deal in mortgages,
  • work for only one Mortgage Brokerage,
  • meet the Mortgage Agent education requirements, and
  • have a valid e-mail address (this is necessary for the application process)
In class Registration Enrollment Policy / Academic Handbook

Click here to download the student enrolment policy/academic handbook

December
December 2 - 6, 2024Mon-FriLive webcast
9:30am - 4pm EST		Register
December 9 - 13, 2024Mon-FriLive webcast
9:30am - 4pm EST		Register
December 16 - 20, 2024Mon-FriLive webcast
9:30am - 4pm EST		Register
December 22, 29, January 5, 12, 19, 20245 SundaysLive webcast
9:30am - 4pm EST		Register
December 30 - January 3, 2024/5Mon-FriLive webcast
9:30am - 4pm EST		Register
January
January 6 - 10, 2025Mon-FriLive webcast
9:30am - 4pm EST		Register
January 7,8,9,14,15,16,21,22,23,28,29,30, 2025Weeknights over 4 weeks 6:30 - 9 pmLive webcast
6:30 - 9pm EST		Register
January 13 - 17, 2025Mon-FriLive webcast
9:30am - 4pm EST		Register
January 20 - 24, 2025Mon-FriLive webcast
9:30am - 4pm EST		Register
January 26, February 2, 9, 16, 23, 20255 SundaysLive webcast
9:30am - 4pm EST		Register
January 27 - 31, 2025Mon-FriLive webcast
9:30am - 4pm EST		Register

Weeknight REMIC Mortgage Agent Course Live Webcast - $385

Below is the schedule for 4 weeks.

All classes are live web classes and include full online resources and run from 6:30PM – 9:00PM. Textbooks are shipped Canada Post Priority and arrive within 2 – 3 business days.

DateTypeLocationRegister
January
January 7, 8, 9, 14, 15, 16, 21, 22, 23, 28, 29, 30, 2025Weeknights over 4 weeks 6:30 - 9 pmLive webcast
6:30 - 9pm EST		Register

Course Details

REMIC offers 3 different types of live webcast registration (courses) designed to meet the varying needs of our students who prefer the live-class experience. All courses run from 10AM – 4PM (9:30 AM to 4 PM as of Jan 1, 2022) and all modes include:

  • A hard copy of the mortgage agent textbook (shipping extra)
  • Immediate full online access including a exam preparation guide and practice exams
  • An in-person exam and a free in-person rewrite if necessary (In-person exam dates will be available post-COVID, additional fees may apply for online proctored exams)

Live webcast courses are perfect for you if you prefer the live course experience but do not want to attend a physical in-class setting. During the web class you will be able to ask questions and get immediate response from the instructor.

Online Course Summary:
  • Course Length: 47 hours (estimated)
  • Course Delivery: In class or in class & online
  • Final Examination: 3 hours (Online through our Online Proctored Exam partner)
  • Enrolment Period: one week up to 6 months
  • Presented in the English language
Topics Covered:

REMIC’s textbook ‘Mortgage Brokering in Ontario – Agent Edition is what REMIC’s mortgage agent course is based on. The textbook is comprised of 23 different Chapters as per below, that touch on all the aspects that are included in the mortgage process. If you are looking for a detailed breakdown of the type of information that is in the course, you can click here to view the full table of contents.

Chapter 1: Market OverviewChapter 13: Application Analysis – Application Ratios
Chapter 2: Basic Mortgage ConceptsChapter 14: Application Analysis – Borrower Credit
Chapter 3: Advanced Mortgage ConceptsChapter 15: Application Analysis – The Property
Chapter 4: Property Ownership in OntarioChapter 16: Choosing the Lender
Chapter 5: Regulation and LegislationChapter 17: Submitting the Application
Chapter 6: Transaction OverviewChapter 18: Borrower Disclosure
Chapter 7: Insurance in the Mortgage IndustryChapter 19: Closing the Transaction
Chapter 8: Calculating a Mortgage PaymentChapter 20: Contract Law
Chapter 9: Attracting a ClientChapter 21: Mortgage Remedies
Chapter 10: First ContactChapter 22: Mortgage Fraud
Chapter 11: The Initial ConsultationChapter 23: Ethics and Mortgage Brokering
Chapter 12: Application Analysis – Borrower DocumentsFinal Case Study

The Final Examination:

The RMAC Final Exam can be completed through our Online Proctoring Service any time before your course expiration date, although we recommend booking the exam at least 7 days before that date. RMAC provides you with all of the material you need to prepare for the exam, including an exam preparation quiz that based on previous exams. Once your exam is completed, the review process takes up to 3 days. If you pass the exam, you’ll then get access to your certificate!

  • Exam format: Online Proctored Exam (through our Online Proctored Exam Service partner)
  • Exam length: 3 hours
  • Question format: Multiple Choice (some questions will reference a case study)
  • Attempts: 2 attempts (REMIC pays for your first attempt, and you pay for a rewrite through our Online Proctored Exam service if required. You may choose to wait for in-person exams to resume if you would prefer a free rewrite. REMIC is the only provider that offers a free rewrite! However please note that due to current government regulations, in-person exams are not available at this time)
  • Passing grade: 60% (30/50)

Please see the Online Proctored Exam Rules.

Prerequisites for the course:

The mortgage agent course in Ontario is available to anyone; however it is recommended that you have at least a high school education with equivalent English or French language and math skills.

Prerequisites for licensing:

The Financial Services Regulatory Authority of Ontario (FSRAO) has set out the following additional requirements in order to become licensed after completing the course:

  • be 18 years of age or older,
  • be a resident of Canada,
  • have a mailing address in Ontario that can receive registered mail (not a post office box),
  • be authorized by a Mortgage Brokerage to deal in mortgages,
  • work for only one Mortgage Brokerage,
  • meet the Mortgage Agent education requirements, and
  • have a valid e-mail address (this is necessary for the application process)
In class Registration Enrollment Policy / Academic Handbook

Click here to download the student enrolment policy/academic handbook

Course FAQs

T2202A forms are issued to students who have paid $100.00 or more in eligible fees for qualifying courses beginning and ending in a particular calendar year.

In depth questions regarding the use of the T2202A form in the tax preparation process should be directed to Revenue Canada. Tax guides are available from any Revenue Canada office or a Post Office. Revenue Canada also publishes a booklet called “Students & Income Tax” – Government form P105(E).

Official receipts for income tax purposes covering tuition fees paid for qualifying courses taken during the preceding calendar year are available in late February. In accordance with Revenue Canada regulations, official receipts (T2202A Forms) are only issued for tuition fees totalling $100.00 or more. Materials and administrative fees are not eligible for tax deduction.

You have 3 hours to complete the exam.

The final exam consists of 50 multiple choice questions, many based on case studies that are designed to test your knowledge and understanding of the course material as required by the Financial Services Regulatory Authority of Ontario (FSRA).

Exams can now be completed fully online. If you are doing the course online and within the GTA, REMIC hosts examinations at our head office training facility at Sheppard and Victoria Park. Students can schedule exams through the portal.

If writing in person in the GTA you will have access to your final mark online the same day as you wrote your examination. If writing at a College or University we will typically advise you within 24 hours as we request that the College or University fax your exam to us immediately as well as courier your original exam to us. If writing online your results is typically available within 3 business days.

Once you have been notified that you have passed the course you will be required to log in to the online section of the course and complete our feedback. You will then be able to print your certificate of completion and save it electronically.

You must bring your photo ID (either a driver’s license or valid passport) and one additional piece of valid identification, , a pen or pencil and your calculator. No other aids are allowed during the exam.

REMIC gives you access to an Exam Review Report that details the section and topics from the textbook that you missed. If you fail the exam you may request to review it at a time convenient to both yourself and REMIC (due to current restrictions the exam review is not available at this time). Please refer to our Policies and Procedures Manual for additional information.
If you fail the exam you can arrange a rewrite exam at the next available exam date. If you fail the rewrite you must re-enroll in the course, paying the full tuition. This is a FSRA requirement.
REMIC does not publicize these statistics as they have no impact on your individual results and in publicizing these types of statistics a student may put more or less work into the course than required based on his or her perception.
The course is valid for 2 years from the time you pass your exam. If you do not obtain a mortgage agent license within this time you must retake the course.
No, however they are designed to help you understand the material and will greatly increase your chances of passing the final exam. While your final grade is based solely on the final exam, it is strongly recommended that you complete all assigned tasks in the course.
Once you have passed the course you must then be hired by a licensed mortgage brokerage that will initiate the licensing process on your behalf. This is a Financial Services Regulatory Authority (FSRA) requirement.
Yes, there is a mandatory course that you will need to take before you are able to renew your license. You can find more info on the CE for mortgage agents and brokers by clicking here.
Yes, the REMIC Mortgage Agent Course (RMAC) is approved by FSRA and meets the educational requirements to obtain a mortgage agent license in Ontario.
A broker and agent both ‘broker’ mortgages, however a broker may also hire agents and be the principal broker of a brokerage (equivalent to the Chief Compliance Officer). A broker does not necessarily earn more on a mortgage transaction than an agent. In addition, a broker must have been a licensed agent, level 2 for at least two years, take and pass the broker course for licensing, and be approved by FSRA to upgrade his or her license from an agent to a broker.
Once you have passed the course you will have the option to create a free account in the REMIC Job Bank. The Job Bank allows you to view job postings from brokerages across Ontario. Like a typical job bank, mortgage brokerages will also have access to your resume and cover letter (should you include them), allowing them to contact you directly and setup an interview. REMIC will provide you information and resources that will assist you in the interview process; understanding the procedures and knowing the right questions are vital when choosing a brokerage to join as a mortgage agent. This is a completely free service for all previous REMIC RMAC students.

Through REMIC’s secure shopping cart you can pay by credit card or using your PayPal account. In person at 2175 Sheppard Avenue East, Suite 307 where you can pay by debit card, Visa, Mastercard or cash.
Registration is easy. Simply go to remic.ca/mortgage-agent-course and follow the instructions using our secure online payment system. You can also register in person at our head office training facility at 2175 Sheppard Ave East Suite 307 North York, ON, M2J1W8 (Business hours are Mon-Fri, 9AM – 5PM). We accept Visa, Mastercard, debit or cash.
You will receive an online login immediately following your registration that gives you access to an electronic version of the textbook, whether you are doing the course in-class or online. This way you can get started in the course right away! REMIC will also ship you a hard copy of the textbook within 2 business days.
The cost of the course ranges from $338 to $385 (printed textbook + shipping) and includes online delivery and the final examination.
No, the course is available to anyone, however it is recommended that you have at least a high school education with equivalent English or French language and math skills.
Whether you register for an in-class or online course you will have immediate access to the online information. This includes a soft copy of the textbook, audio-backed video tutorials, assignments, discussions, a case study and a full exam prep guide and practice exam. REMIC will also ship you a hard copy of the textbook within 2 business days. All registrations are subject to REMIC’s acceptance policy. Any students not accepted will have their registration fee fully refunded.

A student who wishes to withdraw from RMAC may do so by completing the request to withdrawal form and submitting it to REMIC. Please click here to open the Student Academic Policy which includes the withdrawal form. Upon receipt the request will be processed based on the following schedule: After registration but before the examination AND within 30 days of registration: 100% refund MINUS a $150 withdrawal fee. During or after the examination or after 30 days after registration: No credit and No refund.
Yes, during your enrollment you can withdraw and transfer the course to someone else. However, this is not authorized if you have already attempted the final exam. There is a $100 fee to do this.
If taking RMAC online you have the flexibility to begin your course at any date, and you may complete it within as little as one week or up to 6 months – the choice is yours. If taking the in-class course you must begin and end the course on set dates.
This depends on your learning skills. While some take longer others learn and understand the material more quickly. The course is designed to be completed in 47 hours, which includes online exercises, tutorials, assignments, tests, and reading. We suggest that you set aside at least this amount of time to complete the course.
Only qualified, experienced industry experts are used to teach the course, which was developed by veteran industry expert and REMIC President, Joseph J. White who is also the author of the textbook.
No, the course is designed for those with basic computing skills, however the course contains rich, interactive content designed to engage you.
Of course! Your Professor, an industry professional, is there to help, Monday to Friday during regular business hours.
No, we are here to help! Your online course has a dedicated Professor who will interact with you, answering your questions and helping you along the way, when you need it. In addition, you are able to communicate with your fellow students in the course via chat message and open discussions.
Yes. You can complete the course in as little as one week or take up to 6 months – the choice is yours.
REMIC offers the REMIC Mortgage Agent Course (RMAC) in house to several brokerages, based on the brokerage meeting certain quality control and professional standards. The course is taught by a REMIC Professor and standard exam security is employed regardless of the location of the course. There is no difference in the course cost, content and/or exam, regardless of where it is delivered. A brokerage may charge an additional fee to the student for additional services it provides before or after the course.