The American Institute for CPCU and the Insurance Institute of America have replaced the SMART CD-ROM, which contained practice exams, with new SMART Online Practice Exams for 2009. The new online practice exams are available for all courses in these programs: General Insurance (INS), Associate in Claims (AIC), Associate in Commercial Underwriting (AU), Associate in Risk Management (ARM), and Chartered Property Casualty Underwriter (CPCU).