The document discusses disruptive innovation in higher education. It argues that higher education can be "unbundled" by separating out different services like instruction delivery, learning content, career services, and assessment. This disruption process appeals to new types of customers by offering simpler, more affordable options without replicating the cost structure of traditional universities. Enablers of disruption include online education technologies and new business models that deliver value in different ways than traditional universities. The document advocates that policymakers and institutions embrace disruption by removing barriers, focusing on teaching and learning outcomes over inputs, and recognizing different types of institutions.