Financial services firms play an important role in our economic ecosystem because of their universality. Almost every American in some manner is touched by the industry whether it is by applying for a credit card, taking out a mortgage loan, financing education through a student loan, or opening their first bank account. There are many components of our economy that we should be excited about as a country. Unemployment rates are at a historical low, we have seen stronger GDP growth, and small business optimism remains very high. However, there is still a portion of the country who is not fully experiencing these gains in real terms due to wage growth and other issues.