 Well, I think it matters to some people very immediately and instinctively, and I think I was in that category, but if you think about it, you know, it matters for a whole bunch of reasons. I think the most important is that generally speaking when inequality goes up, poverty goes up, and there's very broad consensus, people from all points of view would agree that this is a bad thing for society and so on. The utilitarian philosophers pointed out that a euro or a dollar in the hands of a poor person produces more welfare or utility than it does in the hands of a rich person. So there's something inefficient about a distribution of resources that gives a lot to a small group of people and little to a lot of poor people. And it matters for the sake of the nations or the world's health, longevity, economic growth we're learning tends to go better when there's less inequality. So there's a whole host of reasons. Most of the attention has been on inequality of income, and that's natural. It's probably the most important thing, but my particular interest is in people's assets and their debts, and it's another dimension of the problem. So if you don't have any assets, maybe if you have some debts and you lose your job or you fall ill in many countries in the world, it's you and your family and what resources you have that are going to save you. So people in lower income countries are well aware of this and they try to build up their resources and their assets in anticipation of events like that. So it's a key determinant of welfare for people at all levels of the income or wealth distribution and it's something that in the past tended to be overlooked and it's getting more and more attention these days. The fact that it's more unequal than global income is due to greater differences between countries. So if you go to a poor African country, you'll find that the people's wealth relative to their income is even lower than it is for people in the developed world, which is kind of backwards because those people are exposed to many risks that we really are not exposed to. If I lose my job, I receive unemployment insurance, I have various benefits that I can draw on. Countries that I come from, health is zero cost, healthcare is zero cost. This isn't true in Angola or Myanmar or wherever. So in a sense, we see less wealth where it's more needed and that seems to be a problem. Economists have always talked about self-insurance and often you can buy insurance from an insurance company. In many cases you can't, for example with unemployment insurance or health insurance or in a country where the insurance markets are not very well developed. So just having savings, one of the roles of having savings is to provide yourself with something to fall back on. So it's in a way it's a form of insurance. Yeah, that's a very good comparison.