michael roth, i'm going to start with you and put it very simply-- is college still a good investment? >> college is a great investment, and it works so well for so many. america has built the greatest university sector in the world, and we have our challenges because that sector has changed dramatically because of change in access, changes in the economy and culture. but what has made that sector great is we have given students an opportunity to discuss what they want to do, what they're good at, get better at it, and then find a way to keep doing that work after college. we have to be transparent about the work we do. we have to evaluate it critically. but i think it's a big mistake to retreat from college education in the name of more specialized or technical or entrepreneurial fantasies because that sector of research, exploration, and learning has served us well and it can serve us well in the future. >> brown: peter teal, you have raised a warning over what you call an education bubble, explain what you mean and what you're worried about. >> we have a bubble in education the cos