Innovative organizations who can leverage new approaches to learning, while meeting consumer needs in a lower cost manner, will do well. And most incumbent institutions have the ability to meet this soon-to-be future state successfully, if they couple this ability with institutional will. The “will” part of it is probably the biggest challenge. On the other hand we may look back seven to ten years from now and ask where did all the colleges go? I guess one way to think about this is that for sure there will be winners and losers.