Thanks, good post.

One digression:

You mention a 80-20 funding differential between formal and informal learning.

FIRST, is there really good evidence for this? And note: Isn't management training (a large expense) really encouraging somewhat informal learning (if not, it should be).

SECOND, even if this 80-20 is accurate, IS THIS BAD? Maybe the informal happens just fine without intervention and money. MAYBE we'd make it worse by putting more money into it.

People have jumped too quickly (with too much missing info) onto this informal-learning shtick. I'm a supporter of it in my own work, but I really don't think the theorists are being very helpful with their fuzzy thinking and dark-abyssmalations.