The way power remains distributed among individuals makes a country more effective and an organization more effective. Loeb says we must trust individuals to make good decisions that can lead to prosperity and the flourishing of the free market. For example, financial markets based on innovation and growth, such as iPhones, medical advances, FedEx, started from the structure of the system and evolved. Liquidity, the availability of low-cost capital, only exists if you have the rule of law. The biggest thing he sees out there involves a Marshall Plan; or education to include people in the system. One of the most important things Loeb talks about is that we need government regimes that protect property rights