This is a reference book and workbook to deepen your knowledge of private banking. As you can see in the 3rd to 5th images, both the reference book and workbook have red pen markings and underlining with a highlighter. The workbook has red circles marking the correct answers, so please purchase only if you don't mind. Since it's red pen, you should be able to hide the answers with a red sheet of paper. Thank you for looking.