it's never been a better time to pool.

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.

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.

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.