How would you say, for example, "I have a Bachelors Degree in physics" (or any other liberal arts degree)? I am familiar with the terms "licenciado" and "bachiller", but I am confused as to what exactly has been conferred upon people who use these titles. "Bachillerato" is for high school, isn't it? So what term is used for a person who has completed four years of study at the university, graduated with a B.A., with no particular additional title? While we are at it, some people are addressed by "Doctor/a Fulano/a", when I don't think they have a PhD. What's behind this? Thanks!