 So, like one of the most pervasive tendencies in the American understanding of just about every social and economic phenomenon is the tendency to individualize both successes and failures. So, I mean, what I mean by that, right? So it means you look at groups of individuals and assume that their outcomes are just the combined results of individual decisions made by members of that group. So when we see that white workers consistently have more wealth at the median than black households, you know, the American mindset leads people to assume that there must be something either particularly efficient about the way white households manage their finances or something deficient about black households or perhaps black culture, right? It leads us to hyperanalyze black behavior and ask questions like, you know, what can we do to better teach black people to manage their finances, right? On the same token, when we see black Americans with higher mortality rates and case rates from COVID-19, it leads us to ask, you know, condescending questions like, you know, are they washing their hands properly, right? So the academic term for that frame of thinking is methodological individualism and it really just gets in the way of our understanding of racial inequality and especially when it comes to the economy. So what I want to try to do in answering this question is provide something like a vaccine for individuals thinking here, right? The one thing you have to understand is that the numbers don't necessarily speak for themselves. So you can look at the unemployment rate in a given month and see that the black rate is nearly double the white rate. And if you have this individualist framework, you might assume that it's simply because black workers are just less willing to work at the prevailing wage or relative or whatever low pay relative to government benefits than white workers are. But what we can do is we can think a little bit deeper and realize that one, to be counted amongst the unemployed in the statistics, you have to be searching for work, right? So that gets rid of this idea that they just don't want work, right? We can dig deeper into the historical record and learn that that two one ratio is basically been maintained for the past 50 years, right?