Another thing that comes to my mind often in considering the morality of finance, is the old Malthusian principle about the dismal law of economics and population growth. So, Thomas Malthus wrote one of the most famous essays in the history of economics called, An Essay on the Principle of Population. I assume you've all heard of this, right? It's pretty-- this is standard though. On the other hand, I think it's under-emphasized, even today. But if you read his essay, the basic point was that population naturally increases, and according to a geometric ratio. Whereas subsistence for man increases only in an arithmetical ratio. So the population goes on doubling itself every 25 years, but the resources cannot. So this gives us the Dismal Law of Economics: that any improvement in the ability to give subsistence to man, will be met with by population increases. So men and women are historically in near-starvation because there's too many of them. And if anything is done to alleviate the situation, it just means there would be more people in starvation. So Malthus had a powerful argument. Unfortunately, it leads to a sort of hopelessness, that we can't do anything. And what is finance able to do ultimately? So anyway, the thought I have about this is, we shouldn't despair though. I think Malthus may be right in the really long run, talking centuries. But we are living here and now, and I think that we can do a lot to make the world we live in better off. And ultimately I don't know about centuries in the future. I think we have a moral obligation to use our economic principles to make people better off now.