The B.A. and B.S. Degrees with a major in Mathematical Sciences consists of 47 credits of required courses in Mathematics. Approved Statistics courses may also be included. Either degree option has seven possible Concentrations and a No Concentration Option. The Concentrations are defined by the required upper division courses. This concentration is recommended for students interested in a career as an Actuary and who plan on taking the Actuarial exams. An actuary evaluates the financial impact of risk by evaluating the likelihood of future events, designing creative ways to reduce the likelihood of undesirable events, and decreasing the impact of undesirable events that do occur. Actuaries work for insurance companies, government, and consulting firms. In the actuarial profession you can earn while you learn. Many students receive on-the-job training while enrolled in the examination process. Employers are generally supportive and may give students study time during working hours, pay exam fees, and award raises for each exam passed. However, most employers prefer to hire people who have started the series of examinations on their own and have already passed at least two or three.