I'm glad you said "and" there... since I've got a pet peeve in the opposite direction, the one where people think that formal training is necessarily better or more desirable than experience. Additonally, how do you account for TALENT or natural ability? Some people have LOTS of formal training and still can do FOO to save their souls, where some people step in as relative neophytes and kick the butts of those with multiple advanced degrees. Education is not necessarily equal to competency.