"It's very daunting in an age of peer-to-peer hosting, " says Korris, whose center at USC is building a "neutral" test ground for digital projection systems.

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Universities will increasingly become age-free as they develop and facilitate peer-to-peer learning and teaching across generations.

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He says this way of training encourages them to be team leaders - peer pressure is important at their age, so they tend to listen to one another.

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But what is also striking is that both he and the Bank of England's brainy financial stability director Andy Haldane have been waxing lyrical about the long-term potential of new-age internet-based lenders - what are known as peer-to-peer lenders - to significantly reduce our dependence on traditional banks.

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Responding for the government, the Lib Dem peer Lord Wallace, whose party supports lowering the voting age, insisted there was "nothing inevitable" about the move.

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Unlike Industrial Age employment, digital production can be done from the home, independently, and even in a peer-to-peer fashion without going through big corporations.

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