You will be given a definition of a task first, then an example. Follow the example to solve a new instance of the task.
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: Martin Luther married Katharina von Bora, one of 12 nuns he had helped escape from the Nimbschen Cistercian convent in April 1523, when he arranged for them to be smuggled out in herring barrels. Suddenly, and while I was occupied with far different thoughts, he wrote to Wenceslaus Link, “the Lord has plunged me into marriage. At the time of their marriage, Katharina was 26 years old and Luther was 41 years old. Question: In a letter who did Luther credit for his union with Katharina?
Solution: the Lord
Why? The paragraph clearly states that, Luther has credited the Lord for his union with Katharina, hence the Lord is correct answer.

New input: 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?
Solution:
detrimental