Independent. In the modern era, such myths continue to be spread in books such as The Secret Relationship Between Blacks and Jews published by the Nation of Islam, and on the internet. Derek Penslar writes that there are two components to the financial canards: a) Jews are savages that "are temperamentally incapable of performing honest labor" b) Jews are "leaders of a financial cabal seeking world domination" Abraham Foxman describes six facets of the financial canards: All Jews are wealthy Jews are stingy and greedy Powerful Jews control the business world Jewish religion emphasizes profit and materialism It is okay for Jews to cheat non-Jews Jews use their power to benefit "their own kind" Gerald Krefetz summarizes the myth as "[Jews] control the banks, the money supply, the economy, and businesses—of the community, of the country, of the world". Krefetz gives, as illustrations, many slurs and proverbs (in several different languages) which suggest that Jews are stingy, or greedy, or miserly, or aggressive bargainers. During the nineteenth century, Jews were described as "scurrilous, stupid, and tight-fisted", but after the Jewish Emancipation and the rise of Jews to the middle- or upper-class in Europe were portrayed as "clever, devious, and manipulative financiers out to dominate [world finances]". Léon Poliakov asserts that economic antisemitism is not a distinct form of antisemitism, but merely a manifestation of theologic antisemitism (because, without the theological causes of economic antisemitism, there would be no economic antisemitism). In opposition to this view, Derek Penslar contends that in the modern era, economic antisemitism is "distinct and nearly constant" but theological antisemitism is "often subdued". An academic study by Francesco D'Acunto, Marcel Prokopczuk, and Michael Weber showed that people who live in areas of Germany that contain the most brutal history of antisemitic persecution are more likely to be distrustful of finance in general. Therefore, they tended to invest less money in the stock market and make poor financial decisions. The study concluded, "that the persecution of minorities reduces not only the long-term wealth of the persecuted but of the persecutors as well." Racial antisemitism Racial antisemitism is prejudice against Jews as a racial/ethnic group, rather than Judaism as a religion. Racial antisemitism is the idea that the Jews are a distinct and inferior race compared to their host nations. In the late 19th century and early 20th century, it gained mainstream acceptance as part of the eugenics movement,