Circles fosters self-directed learning, the antidote to university or company-driven education. It takes advantage of new but already ubiquitous technologies like smartphones, group messaging, web content, and social media. It uses available data to match people likely to trust each other who want to go in the same direction. It works on the job, enhancing performance in the short-term while enforcing long-term changes that stick. It wrestles the glut of information into teachable moments. It is affordable for most workers while retaining healthy margins to pay for its own growth.