1.   And the big benefits of any market surge are highly concentrated among those at the very tip of the financial pyramid.

2.   Albania has been in chaos, brought about by the collapse of financial pyramid schemes in which many Albanians lost their life savings.

3.   Terese Payne was near the top of the financial pyramid.

4.   The country has descended into chaos in recent weeks after huge financial pyramid schemes collapsed, wiping out the savings of many Albanians.

5.   The government said at the time that the direct-selling operations functioned as financial pyramid schemes and contributed to social unrest.

6.   The Balkan nation has been rocked by chaos and rife with crime since financial pyramid schemes collapsed last year, causing most people to lose their life savings.

7.   When financial pyramid schemes collapsed and Albania exploded in chaos last year, nearly all the state armories were looted and civilians seized about a million guns.