 especially people that already own a lot of assets and own a lot of capital, but for people that want to enter the economy, who want to grow their own net worth, it's becoming more challenging, and that some people might be left at the bottom of the economic sea. So inequality necessarily isn't a bad thing, but if people see that it sort of decreases equality of opportunity, that's when people start getting concerned. And finally, Professor, at the last question, and it's not an easy one, but