This is an interesting article, but I think they are missing something. "The Current Labor Instensive System" is going to be the engine of disruption in online learning, not stand-alone, "smart", adaptive "Computer-Based Learning." Teachers and students empowered with smaller, quicker disruptive technologies (twitter, ustream, blog and wikis) will be the "disruptive" engine. It may not be in K-12 education either. The place to look is adult education online.