Economic and demographic shifts in the United State are transforming higher education. With substantial reductions in state funding, increasing campus energy and operational costs, endowments generating reduced returns, and a national economic readjustment of unprecedented proportions, higher education must re-examine and reposition itself to meet new and emerging challenges. This paper identifies ten economic factors and ten demographic factors that are confronting colleges and universities and driving online and blended program enrollments. While traditional face-to-face programs will always play a critical role in higher education, online and blended programs provide new opportunities to expand current student markets by offering quality programming that supports the institutional mission, increases brand recognition, and expands an institution’s alumni base.

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In Philadelphia, one of the nation's judicial battlegrounds, a clinical practice group of 360 physicians responded to the medical malpractice insurance crisis by creating a reciprocal risk retention group that has supported the group's best practices while almost eliminating the number of claims going to trial. This article describes how the insurance crisis helped change the culture of its physician practice group, restore the close physician-patient relationship that lies at the heart of medicine, and shows how elements of this revolutionary program can be adopted by all professional liability insurers.