This is the official 2024 edition textbook set for the Consumer Life Advisor exam, consisting of all four volumes. There are markings inside, primarily underlining of important points and key notes. These are notes made while studying independently, and they help to understand the flow of learning. The photos show examples of the markings, but not every page has them. The amount and location of the markings vary. There are some scuffs and signs of use, but there is no problem with reading or studying. Please understand that this is a used item before purchasing.