A system, methods and apparatus are described involving modular customized
e-learning components. After an individual requests an e-learning
process, databases are customized for him or her, thereby implementing
just-in-time learning. The learner generates questions by using problem
finding approaches and may use a personal learning agent. Collaboration
between individuals is performed. In addition, a method is presented for
conducting distributed classes both with and without (a teacher's)
mediation. Part of the system involves a method featuring a dialectical
learning process for problem solving. There is an automatic method to
assess individual abilities.