Unemployment related factors discussed were housing insecurity and transportation struggles. Such factors, coupled with low wage jobs, can create a cycle of poverty hard to escape and easy to perpetuate. Such factors also ranked Charlotte on the bottom of a Harvard University-sponsored economic mobility study. On the upside to this downward spiral were individuals such as Traletta Banks, an instructor showing others how to break the cycle with options such as creating career pathways. Also part of the effort was Economic Mobility Initiative, a nonprofit helping individuals on the road to self-sufficiency overcome roadblocks such as benefits cliff.