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"To be top 10, you have got to be global," Elias Eldayrie, UF's vice president and CIO for Information Technologies, recently told the board of trustees. "You need to connect." Creating Unizin with Indiana University, the University of Michigan and Colorado State University was a year in the making, Eldayrie said.

"At Harvard Business School, we're getting disrupted by online learning," Christensen said recently at the World Business Forum in New York City. "It truly isn't as good, but does this technology, over time, get good enough to meet the needs of our customers? The answer is yes."

The reason is that the top universities do not offer the best teaching and learning experiences. Instead, their faculty members are incentivized heavily to focus on research at the expense of teaching. If a professor seeking tenure at one of these institutions receives a teaching award, it is often said that that professor has just received the kiss of death for her tenure hopes. If students learn at these institutions, it's often not because the teaching is so good, but because the students are so talented that they can absorb anything thrown at them (and it's worth noting that just because a professor is entertaining, does not mean it's a good learning experience).