Yes, we really do need MOOCs – state-level and global

When the venerable Economist magazine decides to take up a theme, you know it has arrived. Now MOOCs.

I shall come back to this, again and again. But for now, three things we need to note.

1. MOOC-based disruption is coming, whether we (or should I say the higher ed establishment, for-profit and mainstream) like it for not. By and large, “we” do not, and we have made that plain by covering our heads with a blanket hoping it will go away. My estimate: within 10 years, 50% disruption of higher ed in the west. Akin to the impact of digital disruption on publishing in the past ten years.

2. The curious way in which initial efforts have been rolling out – from Stanford and MIT, for example, directly and indirectly – is an important talking point. Institutions with little fear of oblivion dare to experiment, if slowly. Institutions facing the firing squad – like the mid-level state universities and generic liberal arts colleges – are busy focusing on faculty meetings and tenure and the chatter of a world about to be hit by a stray asteroid.

3. Two terrific opportunities to be seized.

(a) Innovative states can immediately (as in, within 12 months) develop MOOC/Khan academy models to overlay and supplant the existing systems.

(b) The United States, through USAID or another agency, can develop a global (initially English-language) university offering full undergraduate programs free of charge and without prerequisites. The former has a chance of saving American education, and thereby the American future.  The latter of vastly extending our influence, especially and initially in Africa where English is widely accessible. But moves into a range of languages will soon be AI-based. This will finally be more significant for U.S. global influence in C21 than another dozen carrier groups. I do not exaggerate.

So, let’s get moving in 2013.

Free education: Learning new lessons | The Economist.

Instagram and Life in the Haze: When Will Users Wake Up?

Twitter 6x6

Twitter 6×6 (Photo credit: Steve Woolf)

Twitter is hot today with Instagram‘s TOS changes, which mark Facebook‘s intent to bring their acquisition more fully into line with their own policies and emerging business model. The company quickly jumped in with a clarification – so brief it can reasonably fail to get to grips with the issues at stake. What this signifies is yet another sampling of the underlying problem with mainstream social media platforms and their way of seeking to do business.

In a word, it is use consciousness. Users sign on to these services in a haze of enthusiasm and with at best a partial understanding of how it is that company XYZ intends to make a bunch of billionaires out of giving you free stuff. And no, it is not by magic.

As we know – and as Twitter has kept reminding us, somewhat painfully – it is considered OK by investors to get a service up and running without needing to have that question resolved – the 21st century version of 1990s dot-com eyeballs hopefulness. But there is not an indefinite number of ways in which this can be done. Three are obvious. Sticking ads in front of your noses. Grabbing a portion of your intellectual property. And messing with your private info. The first and the third may work together. The second and the third are subsets of the same thing – su casa es mi casa, as it were.

One of the great mysteries of our time is why none of these companies has taken a traditional commercial approach to the issues involved – and offered their services (search, social, pics, whatever) on subscription; and/or offered a fee to purchase or licence your stuff. Given the vast sums we pay every month to the telecoms who enable us to access all this “free” stuff, it is hardly as if we don’t give evidence of valuing the service.

But my core point: The uber biz model under which most of these web-based services are operating, and on which they have raised many billions of dollars from the wise/gullible/hopeful investment community and recruited hundreds of millions of subscribers, is that the user will be happy to live in the haze, signing endless consantly shifting TOS and privacy statements unread, and handing carte blanche to those who can turn their 0s and 1s into serious cash flow.

Here’s my take. Users will begin to wake up, in ever larger numbers. They will grasp that their increasingly quantified selves are traded in a human meat market. They will (as the Instagram imbriglio illustrates) really resent the notion that the work of their hands, brains and eyes is available to their new feudal masters to use as they choose. And whoosh, down will come the empires built on haziness and the naive and disrespectful assumption that users don’t care.

And so? Well, first, as I keep saying, the financing and governance of companies in the social space needs to be aligned with, um, well, the social space, and not the top-down awfulness that drove the steel barons a century back. But I am not holding my breath. Second, for the moment, we need the steel barons of our digital lives to do their users the honor of treating them like decision-making consumers and economic agents. Yes please, I want search; what’s the monthly fee to access it and retain 100% control of every ounce of data you get from my end? Yes please,.email; and what’s the extra perm month to add on the pic app?

What’s ahead? Huge advantage for Facebook-esque options (as barriers to entry keep falling and interoperability handles the network effect issue) that are run like Credit Unions with some form of mutual ownership and capitalization, and on the leading edge of socmed business. And, in tandem, fee-based services that leave us with our privacy and IP intact. And, of course, the option to sell, rent, lease all what we have, should we so choose.

The future is not life in the haze.

Instagram Rings its Own Death Knell and Leaps to the Mainstream | Constellation Research Inc..

Please may we have a social Social Network?

Please may we have a social Social Network?

So who enjoys irony? Facebook is one of the least “social” companies on the face of planet earth. In fact on any governance spectrum you will find it jostling with the most archaic of our corporate behemoths. I almost compared it with News Corp., and in terms of board/share control issues there are strong parallels. But even @rupertmurdoch is a serious tweep. He gets social in a way we have yet to see any evidence that Zuck does. Read that sentence again, slowly.

I have written before of Facebook’s fundamental problems – interoperability is coming way before this Calif. corporation is permitted to become the new

Facebook logo Español: Logotipo de Facebook Fr...

Facebook logo Español: Logotipo de Facebook Français : Logo de Facebook Tiếng Việt: Logo Facebook (Photo credit: Wikipedia)

global comms everything. Before then, it will go the way of Yahoo and MySpace as barriers to entry keep collapsing. And what was once cool is already becoming infested with grandparents. In general, the more digital a company’s biz model, the faster it will age.

But this is a separate issue, and it would have been perfectly possible for a Facebook-like-entity to emerge run by people deeply imbued with the social idea. Hard to say this, as their guy demands enormous admiration and has mine, but in today’s corporate America MZ is a leader in anti-social as well as old-style board (or rather non-board) governance. In a world of growing alignment, this is 180 territory.

So the news that Facebook’s rather curious experiment with democracy has, through the democratic process itself, as it were, been abandoned, is a joke wrapped in a joke. And Facebook’s protestations to the contrary (see the great article below from Gigaom) just make it worse. There is an indefinite number of better ways in which Fb could have arranged its entry into the world of democratic societies. The approach they have taken lies somewhere between Napoleon and pre-Arab spring MENA.

Which raises a question that is much more interesting: when shall we see the emergence of corporate entities operating in the “social” space – a space that we know will define our relationships social, cultural, commercial, political, from now on – that both understand and choose to act in alignment with the social idea?

My sense is that while this may not be true of corporations delivering business in other sectors – some of which are slowly being attuned to the social idea – for social media enterprises there is no way around a governance structure that is aligned with social and therefore that cannot simply replicate the IPO-driven start-up culture or indeed any conventional model in which the users (who, of course, may or may not be the paying customers) are fundamentally distinguished from the owners of capital and their agents in management. That is, we need innovative approaches to corporate financing and governance that align with the social model.

At one level, this is hardly revolutionary. One of the most interesting features of C19th industrial revolution societies was the emergence of mutual models. In the UK the co-operative societies, still successful wholesale/retail businesses, and building societies, which demutualized into commercial banks during the past 30 years. In the US, credit unions remain. I’m not proposing these as templates. But one can readily understand why Facebook could tolerate the democratic principle only so far as the market would permit the BOD to hand responsibility to groups of users. Hence the ridiculously high voter turnout required, hundreds of millions of people to address technical issues of privacy, which has given the whole effort a pantomime character. And (sorry, but this is true) made democracy look like tomfoolery at a time when respect for democracy as culture and not simply narrow process lies at the core of the global crisis of government and legitimacy, from Russia to China to the Middle East.

So: I’m waiting for a social social network. It may be too much to hope for Twitter to take the lead, though what a superb example it could offer. Aside from social biz approaches to financing, or old-style mutualization (all active tweeters after two years get X shares . . .), perhaps the Gates Foundation will buy it out and establish a user-run governance model (and users include names like Dell, Murdoch, and Branson; the top business brains on the planet hold this network in affection and find serious value here).

Point is: We need social social networks. Facebook is pre-eminently not that. Which is one of several reasons why its future is not all that bright.

Why it’s a good thing that Facebook has given up on democracy — Tech News and Analysis.

via Please may we have a social Social Network?.

Unsocial Networks

Mark Zuckerberg, founder and CEO of Facebook

Mark Zuckerberg (Wikipedia)

Facebook’s decision to draw back from one of the few evidences in the governance of social networks that they understand that social is actually coming to mean for the future of the corporate effort is perhaps no great surprise. For a company whose governance is designed top-down like that of a 19th century steel magnate (or, to be fairer, well, 21st century News Corp), the anomaly of leaving users free to make actual decisions, always open to being “exploited” (aka used) by users actually interested in said decisions, could not long endure.

But the question is raised, yet again: when will it be that companies in the ever-broader “social” space will evolve governance (and financing) models that are actually suited to social?

None of the major players has given that thought much thought, so far. The Facebook voting thing being nixed was a vestigial organ from an earlier, pre-IPO, day when the visionary aspects of the company had more logic than they do now (though, for my part, I have no reason to believe that MZ believes them any less). Something much bigger, and strategic, is needed for these companies to align their social mission with their social identity as vast networks of users. The future will not lie with playing cat-and-mouse on privacy and imposing corporate policies from (in Fb’s case) unbelievably non-diverse boards. And for future read profit.

I billion and rising. Well, we shall see. Think Kodak and RIM and HP and (ouch, ouch) Apple for curves whose rise is halted.

My take? MS soldiers on; Apple crests very soon in all respects; Fb is close to its zenith. MZ, like SJ and BG, has earned his place on Mount Rushmore. What interests me is what, and who, come nest; and how they manage to align their corporate efforts with their users. Hint: it may involve actually engaging this thing we call “social.”

Oh, and Twitter? As a company, it is in the balance, for just this same reason. Its daily users include some of the very smartest minds on the planet – from @rupertmurdoch down. The interest of the Twitter high command in what they/we think is somewhere around zero.

Facebook to users: Please vote to abolish your right to vote | Internet & Media – CNET News.

To the Bankers of Sibos: Integrate and Innovate from the Board down

Banking District

Credit: bsterling

The world’s global financial community’s annual bankers’ “Davos” should be a time for urgent reflection and remediation for our financial institutions.

It’s time for high-level integration for innovation – and that begins with the Board and the C-Suite of this very traditional set of institutions at a time of explosive disruption. They have a long way to go.

 “The past,” as novelist L.P Hartley famously wrote, “is a foreign country: they do things differently there.” When it comes to the future, we ain’t seen nothing yet. The pace of change is picking up very fast, and institutions – and whole industries – unable to keep up are finding themselves on the wrong side of history. 

Let’s be candid. Banking has never been everyone’s favorite industry. Hardly a customer has had a consistently happy experience on the retail end. And the events of 2008 have left a sour taste that may last a generation – like the losses that millions of citizens have accrued as a result. “Too big to fail” sticks in the craw of Americans of left and right – and makes capitalism, markets, risk, look ridiculous. It takes a lot to make Big Oil look good. And one way or another, the business-as-usual revolving door relationship between Wall Street and the Treasury/supervisory agencies and the Hill and the While House (donors . . .) is tottering. It may survive an election cycle or two. Not more.

So what’s ahead for the bankers? They are sailing into a perfect storm.

First, three potent waves they need to ride. If they don’t, can’t, won’t, then all the clever innovation ideas on the planet will not help them.

1. Service. Banking has to rebuild its brand from the ground up as a “service” industry that is actually seen and experienced as a service. Example: GEICO. Insurance is boring and costly. GEICO customers love their company. I called them the other day to sort out a problem, looked forward to it, enjoyed the experience, and am smiling as I recall it. Banking must be seen to be re-inventing itself as a service.

2. Shared. While “corporate social responsibility” (CSR) has now been almost universally adopted as an element in corporate strategy, by banks like everyone else, it continues to be handled by most players as an adjunct exercise. Michael Porter‘s notorious prognosis that “shared value” is properly the only source of value, incorporating the traditional bottom line and the “CSR” extra, has been treated with derision in private and sometimes in public. Banking must be seen as a leader in building shared value.

3. Social. “Social media” remains an outlier in most mainstream businesses, and barely registers in banking. Not only is social vital to customer service and marketing; more fundamentally it is emerging as the driver of innovation and the continuing renewal of corporate culture – which, as we know, is the cause of all competitive advantage and value creation. Banking must be seen to take the lead in social engagement.

Second, two (of many) special challenges coming their way.

4. Retail. Retail banking is ripe for dramatic innovation. It is almost entirely mechanical, and the perfect subject for machine intelligence. While we debate separating retail from banks’ investment operations, the former is peeling off in its own. The launch in the past few weeks of the Wal-Mart/American Express Bluebird debit-card based banking system is the first major shock. Look at the fee structure (to the consumer, there are none at all), the utter convenience (I opened an account online in literally 3 minutes), the services (huge range and they will be added). Traditional retail banking is ripe for collapse.

5. New currencies. This is more esoteric, and for another post, but from barter to Bitcoin the consumer need for standard money-based transactions has begun to shift. Just begun.

Third: What banking needs in the midst of all this and more is the skill-set it has so far shown it lacks above all else: flexibility, imagination, the capacity to turn on a dime, all those smarts that are distinguishing both New Economy successes and traditional organizations demonstrating themselves capable of re-invention. The core enabling capacity lies in a combination of board governance and executive leadership, and, specifically:

 6. Diversity across generations, genders, perspectives, and disciplines. I discussed this in respect of gender diversity and engagement in social media in an earlier post –  https://futureofbiz.org/2012/07/07/the-two-most-stunning-facts-about-american-business/

We know the problem, but to give an example: in a recent study American Banker found that of 9 large financial institutions operating in California 8 had boards that were at leas 80% white and 80% male. http://www.americanbanker.com/bankthink/board-diversity-greenlining-1039171-1.html

It’s unfortunate, to my mind, that gender diversity issue has been widely perceived as an issue of equity. It’s about value. And whereas in times of stasis a non-diverse board may have worked very well, in times of revolutionary change is represents the voluntary addition of a huge and indefensible element of risk to every decision. Boards and C-Suites need to represent diverse perspectives of all kinds. Only thus will these institutions designed to thrive in an entirely different environment have an opportunity to flourish a second time around in a dramatically different and ever-changing marketplace.

Otherwise, as Kodak and other failed and failing once-great companies like RIM are constantly reminding us, the market is unforgiving. Technology and other emergent forces are toppling the very assumptions that made old-style organizations successful. The logic of service, shared value, social media, and radical diversity at the top level, is finally the logic of the market.

My take? The next decade will see the disruption of financial services on a scale comparable with what has happened to print publishing in the last one. There is everything to play for. But thanks to Moore’s Law and globalization and other forces on the loose in C21, the clock is speeding uo all the time.

 

 

Sibos – Sibos – Osaka, 29 Oct – 1 Nov 2012.

#Risk needs to be at the Center of our Thinking. All of us. All the time.

Front page of The New York Times July 29, 1914...

NYTimes July 29, 1914, “AUSTRIA FORMALLY DECLARES WAR ON SERVIA” announces the beginning of World War I (Credit: Wikipedia)

The latest New York Times carries two striking pieces that are both mainly about risk. One is a big piece on the data centers that constitute “the cloud” and consist of acres of servers humming with power. The other, an informative opinion piece on the next pandemic, and its potential sources.

We tolerate carnage on the road, are 100% risk averse in the air, and rarely think about it anywhere else. Yet risk awareness likes at the heart of all complex decisions, and this becomes more true the faster change takes place and the more disruptive innovation shows itself to be.

Carry that thought into work and play as this new week starts. It can only help.

Data Centers Waste Vast Amounts of Energy, Belying Industry Image – NYTimes.com.

http://www.nytimes.com/2012/09/23/opinion/sunday/anticipating-the-next-pandemic.html?hp

Why Leaders Need to “get” Twitter, ASAP

English: Jack Dorsey and Barack Obama at Twitt...

Jack Dorsey and Barack Obama at Twitter Town Hall in July 2011 (Photo credit: Wikipedia)

Here’s my interview with Paper.li’s Liz Wilson on the gap between executive behavior in business and politics and the huge advantages conferred by engaging with social media – and, especially, Twitter.

http://community.paper.li/2012/09/17/nigel-cameron-time-for-leaders-to-get-twitter/

 

On 9/11, Asymmetry, Exponential Change, and Washington’s Culture Challenge

As 9/11 comes around again, 11 years on, it’s time to think about risk, asymmetry, and the long term. Because a key lesson of that dark day is a simple one: that advanced technologies and the global communications they have enabled have reset the game of security, once and for all.
Three key reflections as we grieve anew – and look ahead.
The core mission of C-PET, the Center for Policy on Emerging Technologies, is to advance, in Washington, DC, the long view – in which we ask “tomorrow’s questions” as the context for today’s decisions, at the interface of policy and technology. In parallel, my consulting practice Strategic Futures, LLC (akaFutureofBiz.org) asks “tomorrow’s questions” as the context for today’s decisions at the interface of business and technology. The corporate/government relationship, which we all agree is too mired in lobbying and short-term advantage should be stronger and visionary.
1. I wrote some time back that the past decade been dominated by two global experts on asymmetry, neither of whom worked for the U.S. government. Their names were Bin Laden, now dispatched, and Assange, now incarcerated in London’s Ecuadorian Embassy in a situation somewhere between scandal and farce. Point is simple – and I make no suggestion of moral equivalence between them. These two men intuitively grasped the capacity of strategically deployed small means and small numbers to shape global events. There have always been asymmetries of power – I fly tonight to London, where Karl Marx sat writing Das Kapital in the British Museum. But technology has changed the game. And the key issue for our security in Century 21 is how we play it when we no longer set the rules, and they keep being changed.
2. While destructive technologies are developing apace, and increasingly accessible to individuals – synthetic biology, which we have addressed in our Roundtable series in Washington, is one key example; and cybersecurity, another C-PET theme – the principle we need to keep in focus is that of exponential change. While change has always been at a gathering pace, it’s in our generation – powered by Moore’s Law but other factors too – that the impact of exponential has begun to have dramatic implications. We all know this, of course, as a fact. The degree to which it has been absorbed in Washington is another matter, of course.
3. To begin to grasp the implications of asymmetric shifts and the exponential pace of change, we need not simply to be far-sighted (that is, constantly working the long view, future scenarios, asking what tomorrow’s questions shall be); we need to be integrative, interdisciplinary, radical in our patterns and practices quite aside from our thinking. Our politics, in my own view, is in general the realm of good men and women incapable of rising above a “corporate culture” that sets their foreshortened agendas and is dooming us to decisions that take tomorrow for granted. The rumblings of what I have named “exopolitics” suggest a seismic change to come, one that is indeed cognizant of the asymmetric potential of social media and other aspects of our new communications technologies.
So on 9/11, a day that will always be somber to us, let’s take a fresh look at asymmetry and the impact of the exponential change that has given it such significance, for ill and for good; and let’s redouble our efforts to bring about a culture of government in synch with such dramatic shifts and attuned in Century 21 to the values that laid down the foundations of this nation, and the technologies that, in large measure, have resulted from its efforts.

Why is @rupertmurdoch on Twitter? The C-Suite Mystery

English: Rupert Murdoch and Wendi Murdoch at t...

Rupert Murdoch and Wendi Murdoch (Photo credit: Wikipedia)

Social, Strategy, and the Mystery of the C-Suite.

My first job – before college – was in a finance company. Customers sent in longhand letters saying they were moving house. In the basement was the high-security “computer room,” with men (sic) in white coats and banks of tape machines that lived on such info. The analog/digital go-between: me. Deciphering the letters, agonizing over how to fit the addresses into 16 squares and four lines on the input form, calling banks (illegally) to track down missing account numbers, and later sticking labels spat out by “The Computer” on the several separate sets of manual files the company still maintained. IT has come a long way since 1970. But if only 4% of CIOs blog, 10% tweet, and –wait for it – fully 74% report through the CFO, it still has a long way to go.

In light of these remarkably low levels of participation by the CIO, it may be less surprising that very occupants of the CEO’s office are personally engaged in social media. The evidence is clear that the culture of the C-Suite is one of nearly unanimous detachment from public social media. The facts are astonishing. Only 16 out of the F500 CEOs have Twitter accounts; and of those 16, hardly any use Twitter regularly. (When I last checked, one of the 16 was Warren Buffet. He had tweeted once.)

One who does, of course, is @rupertmurdoch. But we shall come to him.

What is stunning is the vast gulf between the personal engagement in “social” by the key C-Suite decision-makers, and the mounting evidence – clear, now even to non-techies, non-geeks, and late adopters – that “social” is a key to value. Vast value.

But first, let me head off a comment that 484 CEOs are making as they read this blog. It really is not enough to hire people to handle these things. Especially, typically, young people very junior people, in customer relations roles. The whole point about social is that it’s like saying you’re sorry; you can’t have someone do it for you. We have CEOs and CIOs, effectively, entirely disengaged from the most potent value-driving force on the planet. And part of their disengagement is the idea that hiring kids to monitor this stuff will do the trick. What a fail whale.

So: Latest input that one would have thought would get even the most inert analog executive mind moving: The McKinsey report suggesting up to $1.3 trillion can be released through companies’ forthright engagement with social media has drawn attention in the past week or two. It would however be interesting to note whether there has been an uptick in C-Suite engagement with Twitter, which seems to me to be the touchstone of “getting it” where social is concerned. Further down the totem pole all kinds of social media engagement is in progress (though remarkably there is still a big minority of companies who make no use at all). It’s strategic engagement that counts, and that will come only when the CEO and CIO are setting the pace – and giving evidence that they get it.

That’s why @rupertmurdoch’s joining Twitter at the start of the year was so revealing. Here we have one of the smartest, most controversial, and (face it) also oldest CEOs jumping in. With both feet. As his erratic typing and often unpolished tweets reveal, this is Rupert himself. Not a PR functionary. And he is not just pumping out opinions from on high. He reads the incoming (“watch the language,” he tweeted one time.) And he often answers (he has answered me). He’s found a way to break out of the gilded tower in which corporate leaders are imprisoned to read what his critics are saying, to catch the latest memes, to learn from the 24/7 cocktail party that is Twitter.

At the same time, lower down the organization, it’s plain social media is slowly catching on. Even here the slowness is staggering – 50% of utilities do not even have Facebook page? The headline on this report refers to companies’ widespread take-up of social, but it seems to me it has been slow, sporadic, and – as I have pointed out – almost entirely to the exclusion of the CEOs and CIOs who are the ones most able to develop a strategic understanding of the social revolution underway around them. Point is: Social is not about adding some new media opportunity to marketing, or handling a new customer relations channel. Yes, these are real; but they are far down the list of what is interesting and important.

One well-informed source responded to this argument with the claim that many C-Suite officers are actively engaged in Yammer-like private, secure networks within their organizations. This may well be true, though I have not seen figures. But in fact it adds to the problem. There is a vast gulf between the CEO chatting with CMO and CIO on Yammer, and what @rupertmurdoch and a handful of others have begun to do on Twitter.  And if the C-Suite view is that “social” is about Yammer for private chat and marketing/customer relations channels lower down, the net result is a disaster for strategic decision-making.

There’s no doubt that certain types of personality adjust far quicker to social media than others; and age is not the only factor at play (as Murdoch has neatly demonstrated). It’s now a serious question whether those unable to adapt are fit occupants of their C-Suite offices. Well, in respect of the CIO, I don’t think it’s any longer a question. Time for house-cleaning.

5 Labor Day Questions for America

Portrait of Henry Ford (ca. 1919)

Henry Ford (ca. 1919) (Wikipedia)

As we celebrate Labor Day in 2012, we confront the hardest questions about our future. The Industrial Revolution, for all its early horrors, offered vast employment opportunities and a higher standard of living for many millions of people. It enabled general education and powered democracy. It facilitated the consumer economy. The vast companies set up by the steel barons and Henry Ford and their like provided lifetime employment for hardworking men and women. The companies remain – but we know that’s all over.

These are my questions. To America, to its leaders, to its people. They aren’t partisan (the big issues no longer fit the partisan divide). They’re tomorrow’s questions. Unless we have answers, we can’t make today’s decisions.

And before we go any further: There is something terribly Narcissistic about “knowledge workers,” people like you and me, who hang on Twitter and blog and one way or another are shaping the future. We claim no superior status to those who labor hard with their hands. We may shape the conversation, but it is to our embarrassment if we do hot shape it to include them – just as the uber-rich are to be despised if they find their self-worth in their net worth. It is together, as fellow members of Homo sapiens, radically equal, women and men, in the equation of human worth, that we are called to tackle the greatest of questions of C21. Kindly join me.

1. How do we create jobs, when the result of our smartest innovative thinking has been to create machines to do jobs for us? (Level 1, this is a problem. Level 2, it’s the end of the world as we know it.) More about this: https://futureofbiz.org/2012/07/23/5-stories-that-make-me-worry-about-whether-the-future-has-jobs/

2. How do we foster innovative, risk-taking culture when health benefits remain tied mainly to jobs? (Listen up, both GOP and Dems; the contrast with Europe is remarkable; in the world’s other main market employment is essentially irrelevant for healthcare.)

3. How do we prepare our kids for an environment in which they will have multiple jobs several careers, but in which far more will depend on their initiative at every point? On their taking responsibility. On their “de-schooling” themselves. (Kids are more cossetted and green-housed than ever before; the worst possible preparation. And this question is not about schools.)

4. How do we re-engineer our public schools to lead the world again? The STEM mantra (science, tech, engineering, math) is exactly that. A mantra. Even if we revolutionize our public schools (ha!) it will take half a generation to make a difference. How do we build a techno-literate culture, at all levels?

5. And the fate of the essentially uneducated? Aside from the millions of poorly-educated and/or poorly-gifted kids, we have a massive underclass who are hard to employ now and are fast becoming impossible ever to employ. Is this the hardest question?

There are answers, in part and pro tem; but unless these are the questions there will never be sufficient focus on those answers to drive home the changes they require.