The future of work is continuous learning. How are the companies and employees computing their ROE, the Return on Education? We continue our discussion with Oxford's Prof Lalit Johri, and entrepreneur Gaurav Rastogi. We discuss, how educational institutions are adapting to the explosion in new learning technologies and methodologies, on the one hand, and to the need for a fast paced digestion of real-world learning needs on the other. Humanity's future depends on how well we transform the business of functional learning.