The trick will be incorporating this innovation into the classroom, while expanding useful, hands-on learning and technology to as many people as possible.
Right now, points are hard to convert and can only be purchased in certain chunks, a plan which was no doubt intended to trick unwitting customers into spending more when it was first rolled out.
All this is especially troubling, because financial firms will be keen to get into businesses from which they were previously excluded and quickly, because an accounting trick known as pooling of interest, which flatters the profits of the merged entity, will be scrapped at the end of next year.