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Their program involves secondary school students and focuses on the three issues which they believe are most urgent to youth : 1 ) Survival needs - includes secure environment , financial security , 2 ) Association Needs - youth need to develop social capital , 3 ) Need for an identity - purpose of life . Moreover , financial fears that normally remain in check become aroused when a salary disappears . Our core products include financial education , financial benchmarking and peer performance groups . Included are data on admissions , program requirements , concentrations , tuition , financial aid , assistantships , health insurance , and job placement . By contrast , some would argue , financial scandals have become more complicated and more difficult for today 's actuaries to avoid .