The law of large numbers states that the observed random mean from an increasingly large number of observations of a random variable will always approach the distribution mean.
The Gramm-Leach-Bliley Act (GLBA), which is also known as the Financial Services Modernization Act of 1999, provides limited privacy protections against the sale of your private financial information. Additionally, the GLBA codifies protections against pretexting, the practice of obtaining personal information through false pretenses.
Association of Government Accountants (AGA) is the organization that runs the CGFM exam. Check with your local AGA chapter to see if they have any scholarships or free study materials. The AGA Northern NJ Chapter has both a yearly scholarship and also has a library of study guides that it loans out to members.