The document presents a model of the relationships between informal, non-formal and formal learning. It depicts informal learning as emerging from the interests of individuals and groups, who organize and access resources to pursue self-determined interests. Non-formal learning involves resources created or provided to support learning sequences and audiences. Formal learning flows from institutions that offer accreditation and related resources to enable groups to meet accredited goals. The model shows learning flowing from left to right, driven by natural curiosity, while education flows from right to left, following institutional rules.