Societies are structured in ways that deny adequate standards of living and access to vital social services to the less privileged. Where institutions such as business, government, schools and prisons violate the personhood of society's members this is a form of violence (or, using Jain terms, covert himsa). Poor housing, racial discrimination, unemployment, disenfranchisement and repressive education are thus structural forms of violence. An example is medical care, for which key indices such as disease and early death rates per thousand are markedly disparate between the poorest and the richest.