first of all, muhammad yunus won the nobel prize for microfinance, this idea that we can make small loansto people in very poor countries and kind of improve their well-being, and one of his key insights was that even poor people have friends, and in fact, those friends... >> hinojosa: which was like, amazing, that's it's like a key insight that even poor people have friends. >> that's right. >> hinojosa: and actually... and poor people will pay you back. >> that's right, and that the friendship connections have value. they're a kind of collateral. so you can monetize that collateral. so what you do is, you form a little consortium of people who come, let's say, with their friends, and you say, "you are all jointly responsible for the repayment of this loan." so the first point is that everybody has friends, even the poorest person has friends, and that also is kind of fascinating, and again, it goes back to the point we were discussing earlier about our common humanity. second, however, sort of as a related idea and in some ways opposite to what we just said, is this notion of inequality