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  • The Chartered Financial Analyst Program is a professional credential offered internationally by the American-based CFA Institute to investment and financial professionals. A candidate who successfully completes the program and meets other professional requirements is awarded the "CFA charter" and becomes a "CFA charterholder". The CFA Charter is a professional credential and is not an academic degree. The concept behind it, as well as the method by which candidates are being examined, is very different from other postgraduate qualifications, especially the academic Master's and PhD Degrees typically offered by Universities. According to The Economist magazine "Whereas there are tens of thousands of finance degrees available around the world, ranging from the excellent to the worthless, there is only one CFA, managed and examined by an American association of financial professionals, the CFA Institute." It is widely considered the most difficult test on Wall Street with fewer than 20 percent of successful candidates passing all three exams on their first try. Bank of America, J.P.

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