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on Jul 19, 2016

Making Educational Services #1 is inconsistent witht the success of online education. I supect the barrier is mainly the entrenched teachers unions.

on Jul 25, 2016

K-12 has automated lesson plans and better content access than ever. The days of using real estate taxes to pay union pensions are numbered. Not fully automated, but radically changed. College will change when the feds stop subsidizing the past with endless student loans.
ETF's and mutual funds are displacing the retail finance folks (not mergers/acquisitions) so some of finance is vulnerable.

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