I hang my head in shame. My 15 continuing education credits (CEUs) that are required by the Department of Commerce are due in just a few days. I had an entire year to take my classes, but I didn’t do most of it until last week.

After getting a reminder note from my broker, I spent 30 minutes rooting through my file cabinet and found the file folder labeled CEU. I was confident that I had enough credits. I opened the folder and looked at the dates on the completion certificates and discovered that I had about one-third of the needed credits.

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