The tests for the Abi 2014 are completed. Now begins for graduates further life planning for career and personal security. Training, study or teaching should be the path to a good job of paving, which will form the financial basis for life. Thus, these efforts are not in vain, young professionals should protect themselves ... , the customer will benefit to a greater extent by the return. In 1985, the management expense ratio, according to the GDV is still over six percent.