I need some advise here as I am completely clueless...I guess after FM Exam 3 is different for both SOA and CAS (or not bcoz i think i read somewhere that there will be a common Exam 3 in 2008)...I dont know what field I want to pursue life or casualty....thus dont knw which exam to take..how much difference does it make...can i switch later....thanks for your help...