I know that you tried to end it, Mick. But I haven't put my two cents in yet.
For whatever it is worth, I receive an answer sheet every year with my NFHS test. I take the test, then check my answers. The ones that I miss (darn few) I use the reference to look it up. If I didn't have the answer sheet, there would be no reason to take the test. (I am not going to spend the time looking up every question to find the correct answer.)
Michigan ASA does not send me a test with my registration. To satisfy my own interest, I download the test and the answers. Do the same as with the FED test.
For my personal training purposes, taking the test, checking the answers, and only looking up the wrongs ones is all the time that I want to spend on it.
This is a logical teaching process. Having answer sheets available is not in itself unethical nor cheating. Only if the organization wishes to control the test environment and determine advancement or umpire opportunities based on test results should any ethics issues arise.
WMB
Actually it looks like I got 98 cents worth in!
