Correction for above: Each factor needs not be normally distributed, just independent. Evidence that suggests Log-Normal is at least as plausible as Power Law

Correction for above: Each factor needs not be normally distributed, just independent. Evidence that suggests Log-Normal is at least as plausible as Power Law as a model for wealth distribution: "Using recently developed empirical methodology for detecting power-law behaviour introduced by Clauset et al. we have found that top wealth values follow the power-law behaviour only in 35% of analysed cases. Moreover, even if the data do not rule out the power-law model usually the evidence in its favour is not conclusive – some rivals, most notably the log-normal and stretched exponential distributions, are also plausible fits to wealth data." https://arxiv.org/pdf/1304.0212.pdf https://arxiv.org/pdf/1304.0212.pdf