Why Pooling Exists

Community used to be built around a common location: a village, a town hall, a bowling league, a workplace. Now, it is increasingly an extension of a common interest.

Research has shown that this phenomenon, known as income volatility, has been one of the most profound side effects of the rise of the modern economy.

When starting a business, 81% of entrepreneurs consider the chances of their business succeeding to be at least 70%. Yet, despite these subjective votes of confidence, only 25% of new businesses still exist after five years.