Who's Requiring the CE Topics? (2 minutes)

After completing this module, you will be equipped to:

• better understand the history of Non-Traditional Lending, (3 minutes)
• distinguishing between traditional and non-traditional mortgage products, (15 minutes)
• recognize trends in mortgage lending performance, (7 minutes)
• recall details about the housing market and borrower needs, (2 minutes)
• better understand regulatory influences on mortgage products, (2 minutes)
• have a clearer understanding of inquiries related to FHA-insured mortgage programs, (10 minutes)
• and enhance your comprehension of mortgage insurance. (11 minutes)

Quiz (10 minutes)

Lesson/Module 2 Learning Objectives

After completing this module, you will be equipped to:

• have a deeper understanding of the history and specifics of a VA Guaranteed loan, (7 minutes)
• better understand Veteran eligibility requirements, (3 minutes)
• recognize strengths and benefits for Veterans, (3 minutes)
• explain how to obtain proof of military service, (3 minutes)
• list the types of property that can be obtained with a VA Guaranteed loan, (4 minutes)
• enhance your comprehension of inquiries related to adjustable rate mortgages, (16 minutes)
• recall information regarding FHA's HECM reverse mortgage, (12 minutes)
• and detail the importance of an approved housing counseling agency counselor. (2 minutes)

Quiz (10 minutes)

Lesson/Module 3 Learning Objectives

After completing this module, you will be equipped to:

• gain a deeper insight into short sale transactions, (6 minutes)
• articulate the distinctions between recourse and non-recourse loans, (21 minutes)
• enhance your understanding of the Mortgage Forgiveness Debt Relief Act of 2007, (3 minutes)
• comprehend the Emergency Economic Stabilization Act of 2008, (4 minutes)
• and describe the short sale process and its potential impact on a borrower seeking a new loan. (35 minutes)

Quiz (10 minutes)

Lesson/Module 4 Learning Objectives

After completing this module, you will be equipped to:

• articulate various approaches to Ethics, (2 minutes)
• recognize indicators of fraud, (5 minutes)
• list examples of mortgage fraud, (3 minute)
• enhance your comprehension of appraisal and/or other valuation processes, (1 minute)
• gain a deeper understanding of the Gramm-Leach-Bliley Act, (4 minutes)
• accurately fill out the Privacy Policy for Informational Purposes Only, (2 minutes)
• improve your knowledge of Privacy Policies, (2 minutes)
• define the concept of pre-texting, (4 minutes)
• deepen your understanding of the Consumer Protection Act, (1 minute)
• grasp the nuances of Notice of Action Taken/Timing, (1 minute)
• understand the details of Notice of Action Taken/Content, (1 minute)
• gain insights into the Equal Credit Opportunity Act, (1 minute)
• enhance your understanding of the Electronic Fund Transfers Act, (2 minutes)
• better understand the Home Mortgage Disclosure Act, (2 minutes)
• improve your knowledge of the Fair and Accurate Transaction Act, (2 minutes)
• identify potential Red Flags, (10 minutes)
• recognize AML Compliance Program requirements, (3 minutes)
• explain Suspicious Activity Reporting, (3 minutes)
• and deepen your understanding of the USA Patriot Act. (2 minutes)

Quiz (10 minutes)

Lesson/Module 5 Learning Objectives

After completing this module, you will be equipped to:

• articulate ethical standards, (5 minutes)
• articulate the significance of information protection including: (4 minutes)
  • State laws
  • Federal laws
  • and other applicable laws, rules and regulations,
• recall warning signs of potential mortgage fraud, (2 minutes)
• comprehend the necessity of disclosure protection, (4 minutes)
• gain a deeper understanding of confidentiality, (4 minutes)
• better understand the necessity of competency, (2 minutes)
• explain member competition standards, (2 minutes)
• recall ethics suggestions in reference to advertising, (2 minutes)
• explain ethics as it relates to discrimination, (2 minutes)
• identify the National Association of Mortgage Brokers (NAMB) Code of Ethics, (3 minutes)
• describe predatory lending practices, (2 minutes)
• enhance your understanding of fair lending legislation, (4 minutes)
• recognize common regulations governing mortgage brokers, (6 minutes)
• and gain a clearer insight into the complaint resolution process. (8 minutes)

Quiz (10 minutes)

Lesson/Module 6 Learning Objectives

After completing this module, you will be equipped to:

• enhance your comprehension of the CFPB's Guidance regarding Brokers transitioning to the "Mini-Correspondent" Model, (32 minutes)
• gain a clearer understanding of the timing requirements for the Closing Disclosure, (2 minutes)
• familiarize yourself with the Homeownership Counseling List, (2 minutes)
• better understand mortgage broker compensation regulations, (2 minutes)
• acquire additional knowledge of the regulations governing Integrated Mortgage Disclosure Forms, (3 minutes)
• understand the stipulations related to Ability-to-Repay, (2 minutes)
• learn about the FHA regulations concerning the management of prepayments, specifically the elimination of post-payment interest charges, (4 minutes)
• and comprehend the updates to FHA Adjustable Rate Mortgage (ARM) Notifications and the policies regarding the ARM Look-Back Period. (3 minutes)

Quiz (10 minutes)

Lesson/Module 7 Learning Objectives

After completing this module, you will be equipped to:

• gain a deeper understanding of the Truth-in-Lending Act (TILA), 12 CFR Part 1026 (Regulation Z), (3 minutes)
• receive a thorough overview of allowable fees and finance charges, (12 minutes)
• enhance your knowledge of advertising requirements for: (4 minutes)
  • Mortgage Loan Originators and Real Estate Agents
  • Mortgage Loan Originators and Title/Settlement Companies
  • Mortgage Loan Originators and consumers
• comprehend the process of disclosing additional credit terms in advertisements, (1 minute)
• examine the types of loans that fall under the Truth-in-Lending Act, (3 minutes)
• analyze permissible tolerances for annual percentage rates, (7 minutes)
• improve your skills in accurately completing the Closing Disclosure, (2 minutes)
• understand refinancing scenarios that include rights to rescind specific transactions, (10 minutes)
• recognize instances of overstated finance charges on the initial Loan Estimate, specifically under Regulation Z, 12 CFR §1026.4(b) and 12 CFR §1026.4(c), and Regulation Z 12 CFR §1026.4(e)(1), (4 minutes)
• learn how to provide a comprehensive list of adequate settlement service providers, (1 minute)
• and review the issue of understated finance charges on the initial Loan Estimate as outlined in Regulation Z, 12 CFR §1026.18(d)(1). (3 minutes)

Quiz (10 minutes)

Lesson/Module 8 Learning Objectives

After completing this module, you will be equipped to:

• gain a deeper understanding of the Real Estate Settlement Procedures Act (RESPA), specifically 12 CFR Part 1024 (Regulation X), (5 minutes)
• enhance your comprehension of Consumer Consent for Receiving Electronic Records, (1 minute)
• acquire a thorough knowledge of the prohibitions, limitations, and exemptions established by RESPA, as well as the types of loans to which RESPA applies, (8 minutes)
• develop a clearer understanding of settlement services, (3 minutes)
• gain insights into bona fide discount points, (2 minutes)
• familiarize themselves with the foreclosure process, (9 minutes)
• examine the modifications that can be made to the Loan Estimate and Closing Disclosure, (12 minutes)
• enhance your understanding of Tolerance Violations, including 10% Tolerance Charges, Loan Estimates, Recording Fee Costs on Closing Disclosure, and Loan Estimate Tolerance, (5 minutes)
• and review Federal Finding 7 regarding prohibited payments related to Marketing Service Agreements, specifically Section 8 of RESPA, 12 USC §2607(a), which addresses kickbacks and unearned fees, as well as Third Party Service Fees exceeding actual costs, in accordance with Regulation X, 12 CFR §1024.14(e), and 12 CFR §1024.14(g)(2). (5 minutes)

Quiz (10 minutes)

• Course Materials
• Work Assignments
• Quizzes
• Final Exam

• The amount of course text and PDFs
• Difficulty of the course topics
• Learning strategies:
  • External links
  • Interactive exercises
  • Exam/Review
• Learner-to-content activities
• Learner-to-instructor activities
• Learner-to-Learner activities

Who's Requiring the CE Topics? (2 minutes)

After completing this module, you will be equipped to:

• better understand the history of Non-Traditional Lending, (3 minutes)
• distinguishing between traditional and non-traditional mortgage products, (15 minutes)
• recognize trends in mortgage lending performance, (7 minutes)
• recall details about the housing market and borrower needs, (2 minutes)
• better understand regulatory influences on mortgage products, (2 minutes)
• have a clearer understanding of inquiries related to FHA-insured mortgage programs, (10 minutes)
• and enhance your comprehension of mortgage insurance. (11 minutes)

Quiz (10 minutes)

Lesson/Module 2 Learning Objectives

After completing this module, you will be equipped to:

• have a deeper understanding of the history and specifics of a VA Guaranteed loan, (7 minutes)
• better understand Veteran eligibility requirements, (3 minutes)
• recognize strengths and benefits for Veterans, (3 minutes)
• explain how to obtain proof of military service, (3 minutes)
• list the types of property that can be obtained with a VA Guaranteed loan, (4 minutes)
• enhance your comprehension of inquiries related to adjustable rate mortgages, (16 minutes)
• recall information regarding FHA's HECM reverse mortgage, (12 minutes)
• and detail the importance of an approved housing counseling agency counselor. (2 minutes)

Quiz (10 minutes)

Lesson/Module 3 Learning Objectives

After completing this module, you will be equipped to:

• better understand the California Financing Law (CFL) (California Code of Regulations, §1404 [10 C.C.R. §1404]), (2 minutes)
• identify who is required to obtain a Finance Lenders License, (3 minutes)
• determine whether authorization of your Branch Office(s) through NMLS is necessary, (2 minutes)
• comprehend the CA-DFPI California Residential Lending Act (50000 -50706), (8 minutes)
• recognize the requirements for the California Residential Mortgage Lending Act (CRMLA) License, (7 minutes)
• identify individuals who are exempt from needing this license, (3 minutes)
• enumerate the prerequisites for license applications, (5 minutes)
• and enhance your understanding of the California Homeowner Bill of Rights. (20 minutes)

Quiz (10 minutes)

Lesson/Module 4 Learning Objectives

After completing this module, you will be equipped to:

• articulate various approaches to Ethics, (2 minutes)
• recognize indicators of fraud, (5 minutes)
• list examples of mortgage fraud, (3 minute)
• enhance your comprehension of appraisal and/or other valuation processes, (1 minute)
• gain a deeper understanding of the Gramm-Leach-Bliley Act, (4 minutes)
• accurately fill out the Privacy Policy for Informational Purposes Only, (2 minutes)
• improve your knowledge of Privacy Policies, (2 minutes)
• define the concept of pre-texting, (4 minutes)
• deepen your understanding of the Consumer Protection Act, (1 minute)
• grasp the nuances of Notice of Action Taken/Timing, (1 minute)
• understand the details of Notice of Action Taken/Content, (1 minute)
• gain insights into the Equal Credit Opportunity Act, (1 minute)
• enhance your understanding of the Electronic Fund Transfers Act, (2 minutes)
• better understand the Home Mortgage Disclosure Act, (2 minutes)
• improve your knowledge of the Fair and Accurate Transaction Act, (2 minutes)
• identify potential Red Flags, (10 minutes)
• recognize AML Compliance Program requirements, (3 minutes)
• explain Suspicious Activity Reporting, (3 minutes)
• and deepen your understanding of the USA Patriot Act. (2 minutes)

Quiz (10 minutes)

Lesson/Module 5 Learning Objectives

After completing this module, you will be equipped to:

• articulate ethical standards, (5 minutes)
• articulate the significance of information protection including: (4 minutes)
  • State laws
  • Federal laws
  • and other applicable laws, rules and regulations,
• recall warning signs of potential mortgage fraud, (2 minutes)
• comprehend the necessity of disclosure protection, (4 minutes)
• gain a deeper understanding of confidentiality, (4 minutes)
• better understand the necessity of competency, (2 minutes)
• explain member competition standards, (2 minutes)
• recall ethics suggestions in reference to advertising, (2 minutes)
• explain ethics as it relates to discrimination, (2 minutes)
• identify the National Association of Mortgage Brokers (NAMB) Code of Ethics, (3 minutes)
• describe predatory lending practices, (2 minutes)
• enhance your understanding of fair lending legislation, (4 minutes)
• recognize common regulations governing mortgage brokers, (6 minutes)
• and gain a clearer insight into the complaint resolution process. (8 minutes)

Quiz (10 minutes)

Lesson/Module 6 Learning Objectives

After completing this module, you will be equipped to:

• enhance your comprehension of the CFPB's Guidance regarding Brokers transitioning to the "Mini-Correspondent" Model, (32 minutes)
• gain a clearer understanding of the timing requirements for the Closing Disclosure, (2 minutes)
• familiarize yourself with the Homeownership Counseling List, (2 minutes)
• better understand mortgage broker compensation regulations, (2 minutes)
• acquire additional knowledge of the regulations governing Integrated Mortgage Disclosure Forms, (3 minutes)
• understand the stipulations related to Ability-to-Repay, (2 minutes)
• learn about the FHA regulations concerning the management of prepayments, specifically the elimination of post-payment interest charges, (4 minutes)
• and comprehend the updates to FHA Adjustable Rate Mortgage (ARM) Notifications and the policies regarding the ARM Look-Back Period. (3 minutes)

Quiz (10 minutes)

Lesson/Module 7 Learning Objectives

After completing this module, you will be equipped to:

• gain a deeper understanding of the Truth-in-Lending Act (TILA), 12 CFR Part 1026 (Regulation Z), (3 minutes)
• receive a thorough overview of allowable fees and finance charges, (12 minutes)
• enhance your knowledge of advertising requirements for: (4 minutes)
  • Mortgage Loan Originators and Real Estate Agents
  • Mortgage Loan Originators and Title/Settlement Companies
  • Mortgage Loan Originators and consumers
• comprehend the process of disclosing additional credit terms in advertisements, (1 minute)
• examine the types of loans that fall under the Truth-in-Lending Act, (3 minutes)
• analyze permissible tolerances for annual percentage rates, (7 minutes)
• improve your skills in accurately completing the Closing Disclosure, (2 minutes)
• understand refinancing scenarios that include rights to rescind specific transactions, (10 minutes)
• recognize instances of overstated finance charges on the initial Loan Estimate, specifically under Regulation Z, 12 CFR §1026.4(b) and 12 CFR §1026.4(c), and Regulation Z 12 CFR §1026.4(e)(1), (4 minutes)
• learn how to provide a comprehensive list of adequate settlement service providers, (1 minute)
• and review the issue of understated finance charges on the initial Loan Estimate as outlined in Regulation Z, 12 CFR §1026.18(d)(1). (3 minutes)

Quiz (10 minutes)

Lesson/Module 8 Learning Objectives

After completing this module, you will be equipped to:

• gain a deeper understanding of the Real Estate Settlement Procedures Act (RESPA), specifically 12 CFR Part 1024 (Regulation X), (5 minutes)
• enhance your comprehension of Consumer Consent for Receiving Electronic Records, (1 minute)
• acquire a thorough knowledge of the prohibitions, limitations, and exemptions established by RESPA, as well as the types of loans to which RESPA applies, (8 minutes)
• develop a clearer understanding of settlement services, (3 minutes)
• gain insights into bona fide discount points, (2 minutes)
• familiarize themselves with the foreclosure process, (9 minutes)
• examine the modifications that can be made to the Loan Estimate and Closing Disclosure, (12 minutes)
• enhance your understanding of Tolerance Violations, including 10% Tolerance Charges, Loan Estimates, Recording Fee Costs on Closing Disclosure, and Loan Estimate Tolerance, (5 minutes)
• and review Federal Finding 7 regarding prohibited payments related to Marketing Service Agreements, specifically Section 8 of RESPA, 12 USC §2607(a), which addresses kickbacks and unearned fees, as well as Third Party Service Fees exceeding actual costs, in accordance with Regulation X, 12 CFR §1024.14(e), and 12 CFR §1024.14(g)(2). (5 minutes)

Quiz (10 minutes)

• Course Materials
• Work Assignments
• Quizzes
• Final Exam

• The amount of course text and PDFs
• Difficulty of the course topics
• Learning strategies:
  • External links
  • Interactive exercises
  • Exam/Review
• Learner-to-content activities
• Learner-to-instructor activities
• Learner-to-Learner activities

Who's Requiring the CE Topics? (2 minutes)

After completing this module, you will be equipped to:

• better understand the history of Non-Traditional Lending, (3 minutes)
• distinguishing between traditional and non-traditional mortgage products, (15 minutes)
• recognize trends in mortgage lending performance, (7 minutes)
• recall details about the housing market and borrower needs, (2 minutes)
• better understand regulatory influences on mortgage products, (2 minutes)
• have a clearer understanding of inquiries related to FHA-insured mortgage programs, (10 minutes)
• and enhance your comprehension of mortgage insurance. (11 minutes)

Quiz (10 minutes)

Lesson/Module 2 Learning Objectives

After completing this module, you will be equipped to:

• have a deeper understanding of the history and specifics of a VA Guaranteed loan, (7 minutes)
• better understand Veteran eligibility requirements, (3 minutes)
• recognize strengths and benefits for Veterans, (3 minutes)
• explain how to obtain proof of military service, (3 minutes)
• list the types of property that can be obtained with a VA Guaranteed loan, (4 minutes)
• enhance your comprehension of inquiries related to adjustable rate mortgages, (16 minutes)
• recall information regarding FHA's HECM reverse mortgage, (12 minutes)
• and detail the importance of an approved housing counseling agency counselor. (2 minutes)

Quiz (10 minutes)

Lesson/Module 3 Learning Objectives

After completing this module, you will be equipped to:

• comprehend the definitions of state laws and regulations, (15 minutes)
• enhance your understanding of compliance filings, including MCR, financial condition, and audited financial statements, (2 minutes)
• articulate the processes of examinations and audits, (3 minutes)
• identify records, financial statements, and reports, (4 minutes)
• clarify net worth requirements, (1 minute)
• gain a deeper understanding of consumer consent for receiving electronic records, (1 minute)
• acquire knowledge about escrow and trust accounts, (2 minutes)
• elucidate disclosures and advertising practices, (3 minutes)
• enumerate the conditions and limitations associated with specific mortgage transactions, (2 minutes)
• deepen your understanding of residential mortgage loans, (2 minutes)
• describe enforcement actions, (11 minutes)
• outline the investigation of violations and unsafe practices, as well as remedial actions, (2 minutes)
• enhance your understanding of disciplinary measures and other actions, (10 minutes)
• and enumerate prohibited acts and your corresponding penalties. (2 minutes)

Quiz (10 minutes)

Lesson/Module 4 Learning Objectives

After completing this module, you will be equipped to:

• articulate various approaches to Ethics, (2 minutes)
• recognize indicators of fraud, (5 minutes)
• list examples of mortgage fraud, (3 minute)
• enhance your comprehension of appraisal and/or other valuation processes, (1 minute)
• gain a deeper understanding of the Gramm-Leach-Bliley Act, (4 minutes)
• accurately fill out the Privacy Policy for Informational Purposes Only, (2 minutes)
• improve your knowledge of Privacy Policies, (2 minutes)
• define the concept of pre-texting, (4 minutes)
• deepen your understanding of the Consumer Protection Act, (1 minute)
• grasp the nuances of Notice of Action Taken/Timing, (1 minute)
• understand the details of Notice of Action Taken/Content, (1 minute)
• gain insights into the Equal Credit Opportunity Act, (1 minute)
• enhance your understanding of the Electronic Fund Transfers Act, (2 minutes)
• better understand the Home Mortgage Disclosure Act, (2 minutes)
• improve your knowledge of the Fair and Accurate Transaction Act, (2 minutes)
• identify potential Red Flags, (10 minutes)
• recognize AML Compliance Program requirements, (3 minutes)
• explain Suspicious Activity Reporting, (3 minutes)
• and deepen your understanding of the USA Patriot Act. (2 minutes)

Quiz (10 minutes)

Lesson/Module 5 Learning Objectives

After completing this module, you will be equipped to:

• articulate ethical standards, (5 minutes)
• articulate the significance of information protection including: (4 minutes)
  • State laws
  • Federal laws
  • and other applicable laws, rules and regulations,
• recall warning signs of potential mortgage fraud, (2 minutes)
• comprehend the necessity of disclosure protection, (4 minutes)
• gain a deeper understanding of confidentiality, (4 minutes)
• better understand the necessity of competency, (2 minutes)
• explain member competition standards, (2 minutes)
• recall ethics suggestions in reference to advertising, (2 minutes)
• explain ethics as it relates to discrimination, (2 minutes)
• identify the National Association of Mortgage Brokers (NAMB) Code of Ethics, (3 minutes)
• describe predatory lending practices, (2 minutes)
• enhance your understanding of fair lending legislation, (4 minutes)
• recognize common regulations governing mortgage brokers, (6 minutes)
• and gain a clearer insight into the complaint resolution process. (8 minutes)

Quiz (10 minutes)

Lesson/Module 6 Learning Objectives

After completing this module, you will be equipped to:

• enhance your comprehension of the CFPB's Guidance regarding Brokers transitioning to the "Mini-Correspondent" Model, (32 minutes)
• gain a clearer understanding of the timing requirements for the Closing Disclosure, (2 minutes)
• familiarize yourself with the Homeownership Counseling List, (2 minutes)
• better understand mortgage broker compensation regulations, (2 minutes)
• acquire additional knowledge of the regulations governing Integrated Mortgage Disclosure Forms, (3 minutes)
• understand the stipulations related to Ability-to-Repay, (2 minutes)
• learn about the FHA regulations concerning the management of prepayments, specifically the elimination of post-payment interest charges, (4 minutes)
• and comprehend the updates to FHA Adjustable Rate Mortgage (ARM) Notifications and the policies regarding the ARM Look-Back Period. (3 minutes)

Quiz (10 minutes)

Lesson/Module 7 Learning Objectives

After completing this module, you will be equipped to:

• gain a deeper understanding of the Truth-in-Lending Act (TILA), 12 CFR Part 1026 (Regulation Z), (3 minutes)
• receive a thorough overview of allowable fees and finance charges, (12 minutes)
• enhance your knowledge of advertising requirements for: (4 minutes)
  • Mortgage Loan Originators and Real Estate Agents
  • Mortgage Loan Originators and Title/Settlement Companies
  • Mortgage Loan Originators and consumers
• comprehend the process of disclosing additional credit terms in advertisements, (1 minute)
• examine the types of loans that fall under the Truth-in-Lending Act, (3 minutes)
• analyze permissible tolerances for annual percentage rates, (7 minutes)
• improve your skills in accurately completing the Closing Disclosure, (2 minutes)
• understand refinancing scenarios that include rights to rescind specific transactions, (10 minutes)
• recognize instances of overstated finance charges on the initial Loan Estimate, specifically under Regulation Z, 12 CFR §1026.4(b) and 12 CFR §1026.4(c), and Regulation Z 12 CFR §1026.4(e)(1), (4 minutes)
• learn how to provide a comprehensive list of adequate settlement service providers, (1 minute)
• and review the issue of understated finance charges on the initial Loan Estimate as outlined in Regulation Z, 12 CFR §1026.18(d)(1). (3 minutes)

Quiz (10 minutes)

Lesson/Module 8 Learning Objectives

After completing this module, you will be equipped to:

• gain a deeper understanding of the Real Estate Settlement Procedures Act (RESPA), specifically 12 CFR Part 1024 (Regulation X), (5 minutes)
• enhance your comprehension of Consumer Consent for Receiving Electronic Records, (1 minute)
• acquire a thorough knowledge of the prohibitions, limitations, and exemptions established by RESPA, as well as the types of loans to which RESPA applies, (8 minutes)
• develop a clearer understanding of settlement services, (3 minutes)
• gain insights into bona fide discount points, (2 minutes)
• familiarize themselves with the foreclosure process, (9 minutes)
• examine the modifications that can be made to the Loan Estimate and Closing Disclosure, (12 minutes)
• enhance your understanding of Tolerance Violations, including 10% Tolerance Charges, Loan Estimates, Recording Fee Costs on Closing Disclosure, and Loan Estimate Tolerance, (5 minutes)
• and review Federal Finding 7 regarding prohibited payments related to Marketing Service Agreements, specifically Section 8 of RESPA, 12 USC §2607(a), which addresses kickbacks and unearned fees, as well as Third Party Service Fees exceeding actual costs, in accordance with Regulation X, 12 CFR §1024.14(e), and 12 CFR §1024.14(g)(2). (5 minutes)

Quiz (10 minutes)

• Course Materials
• Work Assignments
• Quizzes
• Final Exam

• The amount of course text and PDFs
• Difficulty of the course topics
• Learning strategies:
  • External links
  • Interactive exercises
  • Exam/Review
• Learner-to-content activities
• Learner-to-instructor activities
• Learner-to-Learner activities