As online courses and remote degree programs proliferate, the role of traditional brick-and-mortar universities is being challenged like never before. Some argue that the core value of a university education lies in the intellectual collisions fostered by face-to-face interaction, while others firmly believe that the accessibility of knowledge and the pace of personalized learning far outweigh the campus experience. In your view, over the next decade, which model is more likely to dominate the substance of higher education, and what reasons and examples support this position?