Schools, universities and private training providers should form public–private partnerships to invest in skills development and human capital. Such a "skills endowment" could be pre-financed through education-linked loans that would only have to be paid back when and if the recipient achieves a certain level of income through subsequent employment. In the future of work, public education funding efforts need to focus as much on current workers and job seekers as on children and young adults not yet in the workforce.