anything, to affect it more than in a mortgagenal way, right? there aren't even ideas on the table that would reverse income inequality. there are a few ideas on the table that would have a marginal impact on diminishing it. like climate change in that respect. it's the big issue, it's one that president obama has, has talked about focusing on. i don't think he knows how to do it. i don't think we know how to go at it. >> before we go, maria-theresa, this stat continually staggers me, half of the jobs created in this country in the last year were for $33,000 a year or less. the president brought up the conversation around the minimum wage in state of the union. so far there hasn't been a robust conversation about something that is so basic. and we talk about as jacob says, like the policy prescriptions to alleviate this or at least make it a fairer playing ground. and there aren't any right now. >> well because for whatever reason, when you start talking about raising the minimum wage, all of a sudden businesses go out of business, right? so let's have an honest conversation of how do you