Rather, the general happiness of an individual is comprised of several components, most of which are not found in a large bank account. In fact, one social scientist named A. H. Maslow theorized that humans have several classes of needs, one built upon another; basic physiological needs, the need for safety and security, the need to love and be loved, needs in the area of esteem, and the need for self-actualization (DeMartino, et al., 1958, p. 2). As can be inferred from this hierarchy, money is not the sole answer to human happiness. It can supply the basic physiological needs of shelter, food, clothing, and other material necessities. It can even provide security to some measure, although history is replete with stories of rich people being harmed physically, psychologically, or socially. When it comes to love, however, the whole idea of happiness moves out of the financial realm. While cynics might argue that love is overrated, I think most people would agree that the need to love and be loved is an important component of happiness. This basic need involves the personal arenas of desire, compatibility, and all the other intricacies of human interaction; things that money cannot buy. In the area of esteem, it has been argued that the items money provides can positively impact personal and social respect.