(i) Define 'Human Capital'. (ii) Explain expenditure on 'On-the-job training' as a source of human capital formation. Rayansh works as a teacher in a school. He receives a fixed monthly salary, social security benefits, paid leave and medical allowances. His friend Mohan works at a small toy shop. He has very little income, he does not have access to provident fund, paid leave or health insurance. Classify the types of sectors Rayansh and Mohan are working in and highlight the distinction between the two sectors.