well for america over the last several decades, the question is how to extend it to the broader way. >> i don't want people to miss the way you are saying that, because it is important that part of what happens when we talk about the wealth accumulation is that we assume it is about individual choices, but the choices have what is called a flatter curve, a flatter slope that it is not as steep. each year of education does not bring as much return to you and the likelihood of going from unmarried to married does not bring enough, and the reason it happens in the housing market is because black and brown bodies reduce the value of the home that they are living in? >> yes, you know in new orleans where we live segregation is a real factor and if you live in a majority of the african-american neighborhood, if you own the same home in black and white neighborhood, the black neighborhood is worth lez.