In the U.S., some universities offer only Master's degrees due to limitations in resources, while others provide Doctorate programs, which are not universally considered the highest level of education. Certain fields, like fine arts and business, recognize terminal degrees such as the Master of Fine Arts and Master of Business Administration as the highest qualifications. In Germany, the Habilitation is a post-doctoral qualification that can be seen as a step beyond a doctorate for those aiming for full professorships. Discussions also highlight that universities like California State University focus more on education than research, affecting their degree offerings. Overall, the highest level of education varies by field and institution, with different degrees serving as terminal qualifications in various disciplines.