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The advent of massively open online classes (MOOCs) is the single most important technological development of the millennium so far. I say this for two main reasons. First, for the enormously transformative impact MOOCs can have on literally billions of people in the world. Second, for the equally disruptive effect MOOCs will inevitably have on the global education industry.

In the United States, students don't get their money's worth

You have to ask yourself, 'What is the nature of education as a good?' Ideally you want it to be learning. But it also functions as insurance.