I'd like to remind you that some of the agencies being discussed here don't publish their standards to take nor pass the class. Those are secret. Dave Schott posted the CDS standards once on CDF and nearly gave people a heart attack.
GUE is the only agency where I knew exactly what I had to do in order to pass the class, and how accurately.
Having the standards published and knowing what is required as far as objectives of a class are mutually exclusive. I successfully passed my PADI OW course, even though I didn't get to look at the standards until I became an instructor. This discussion point is like the "Walking Dead" and won't die-basically if the attorney that represents the insurance company tells the organization to not publish their standards, do you think it is wise to do the opposite if you want to be insured???