Andy, the private and social returns to education definitely do vary across countries (and over time within countries), but that doesn't mean the dichotomy between private and social returns is too simple. Indeed, it is fundamental, in order for us to be able to measure the two rates of return and, more importantly, design public policy accordingly. The problem is that we have not asked the question, "what is the private rate of return relative to the social rate?" And our public policies are structured as if all of the returns were social and none private. Yet people in developing countries, including poor people, behave as if it's the reverse. It is this disconnect that we need to rectify.