Answer the question from the given passage. Your answer should be directly extracted from the passage, and it should be a single entity, name, or number, not a sentence.

Passage: Consultant pharmacy practice focuses more on medication regimen review (i.e. 'cognitive services') than on actual dispensing of drugs. Consultant pharmacists most typically work in nursing homes, but are increasingly branching into other institutions and non-institutional settings. Traditionally consultant pharmacists were usually independent business owners, though in the United States many now work for several large pharmacy management companies (primarily Omnicare, Kindred Healthcare and PharMerica). This trend may be gradually reversing as consultant pharmacists begin to work directly with patients, primarily because many elderly people are now taking numerous medications but continue to live outside of institutional settings. Some community pharmacies employ consultant pharmacists and/or provide consulting services. Question: Where do a majority of consultant pharmacists tend to work?
nursing homes

Passage: In the years after these rumors, neither Tesla nor Edison won the prize (although Edison did receive one of 38 possible bids in 1915 and Tesla did receive one of 38 possible bids in 1937). Question: In what year did Tesla receive a Nobel Prize bid?
1937

Passage: In 1993, Galor and Zeira showed that inequality in the presence of credit market imperfections has a long lasting detrimental effect on human capital formation and economic development. A 1996 study by Perotti examined the channels through which inequality may affect economic growth. He showed that, in accordance with the credit market imperfection approach, inequality is associated with lower level of human capital formation (education, experience, and apprenticeship) and higher level of fertility, and thereby lower levels of growth. He found that inequality is associated with higher levels of redistributive taxation, which is associated with lower levels of growth from reductions in private savings and investment. Perotti concluded that, 'more equal societies have lower fertility rates and higher rates of investment in education. Both are reflected in higher rates of growth. Also, very unequal societies tend to be politically and socially unstable, which is reflected in lower rates of investment and therefore growth.' Question: Inequality in the presence of credit market imperfections has what kind of effect on human capital formation?
detrimental