"I conclude by listing several main points of this essay: 1. Human capital is of great importance in the modern economy. 2. Human capital has become of much greater significance during the past two decades. 3. Human capital is crucial to the international division of labor. 4. Much unmeasured learning goes on in companies and by adults. 5. People need to invest in themselves during their whole lives. 6. Distance learning will become of crucial importance to the teaching and learning process. 7. Human capital stimulates technological innovations and the high-tech sector."