Yep, plus that. Although I had to buy the Dutch (My native language) version too (first bought the English version). The subjects are pretty difficult so reading about them in my native language worked better for me.
Watch the movie "the big short". It's really good. This is from one of the scenes where too guys try to get a license. Although the manage a few million dollars, in order to get the license they should have even more. Or as it turns out the right connections.