With an undergraduate degree in finance and several years working for a major investment bank you would think I would understanding quite a bit. However, after going through this book and Benninga's other book dealing with VBA, I don't just feel, but I know, I have a much more in depth and applicable body of knowledge than my co-workers. Moreover, the application in this book allows you to actually apply the knowledge of a a program such as the CFA. Prior this book I was a carpenter without a saw, now I'm and architect with a design team at my disposal!