Typical mid-level college graduates today can expect to change employers 12 times over the course of a lifetime and change skill sets at least three times. By the time they reach 40, they will not be able to rely on the skills they learned in school. With so much fluidity in employment, loyalty between worker and employer will diminish. "Modern capitalism is turning everyone into a work migrant, and many into work exiles," says sociologist Richard Sennett. Amid so much change, it will be difficult for people to have a sense of a coherent life (Hedgehog Review, summer).