The document discusses digital disruption and the future of various industries and skills. It notes that artificial intelligence will be on par with human intelligence by 2030 and that people will need to continuously upgrade their skills through lifelong learning. Specifically, the top 10 skills needed by 2020 are identified as complex problem solving, critical thinking, creativity, people management, coordinating with others, emotional intelligence, judgment and decision making, service orientation, negotiation, and cognitive flexibility.