own pace. So if you want to cram and get through the material in a big hurry and load yourself up with courses, and get a degree in three years, you can do that. And in fact, most people who do the online learning at this university get their degree not in four years, but in three or even less. ... They're taking these courses to get to where they want in life efficiently. The degrees are cheap, the quality of instruction is really, really good and the model so far seems to be working really well and is a whole lot more effective than the for-profit institutions like Phoenix, for example, who are packing them in as well. That's just another example of how online instruction is going to be revolutionizing the bricks-and-mortar model. What is holding back change in higher education, and when do you think disruptive models are going to become more prevalent? The disruptive models will become more prevalent because the universities will be driven by having to find lower cost methods of delivery. ... They don't have the money to sustain what they're doing now. The universities are also based on... a kind of medieval model where the wise man stands up in front of the class and delivers. ... We have a caste system in universities with the full professors at the top, who do a whole lot of research and maybe not very much teaching at all -- their teaching loads are very