Also, don't get confused with LMI individuals and wealth.
A branch manager was commenting that she was in a moderate income neighborhood (So. FLA), but the people had "paid for" $400K condos, drove $100K Mercedes and had $250k in CD's in the branch. As it was a retirement area, I explained that their "income" was social security and interest from the CD's, and not a matter of wealth.
Integrity. With it, nothing else matters. Without it, nothing else matters.