To help layman and novice to understand the points in this paper, let me try to explain what CA is. According to a guest, CA is short for Chartered Accounts. (Thanks a million for the guest pointing out the mistakes in the original posting). This is a Canadian term. In USA, people say CPA, which means Certified Public Account. If you are a CPA, you can have your own company and hire some other people. To become CPA, you need take a set of tests. Probably more difficult than MCSE and Sun's Java 2 programmer certificate.