 I think the lower class would experience the sharing economy as a provider. They would make money from it, and so there are a lot of people making under the median income who are selling things on Etsy, and they're hoping that will turn into a career. As a general rule, it does not. Etsy is a service that lets people sell their handmade goods, and it's a very kind of controversial site right now because they change their rules, and so some people who are actually mass producers are selling on Etsy, which is what it's not supposed to be. But as a general rule, you're not going to make a fortune knitting scarves for people online, but that is the promise of a site like Etsy, is that you can make a career out of that, and some people do, although the vast majority of people who sell things on Etsy do it as a secondary job. It's not where they get the bulk of their money. Uber drivers, a lot of them are college graduates, and a lot of them are looking for more stable careers, but this is how they're piecing together some of their work now, is picking people up on Uber after or before work or school. And so that's true, and those people are the worst off without a question. But even the middle class, the bottom is falling out of the middle class, and we know this, and it's really happening with young people. Young college graduates are experiencing a higher level of unemployment than older college graduates and college graduates of previous generations who also experienced downturn. There was a downturn in 1982 or 1993, and those young people were eventually kind of worked back into having stable jobs in the economy. Millennials are not. The people who graduated during the Great Recession and its aftermath are not being sucked back up into stable jobs. The rate of unemployment for millennials without a college degree is higher, but it still is alarming that people who graduated from college and should be doing the best and the most stable are still not.