  We prove that the refined approach -- our extension of the Yakovenko et al.
formalism -- is universal in the sense that it describes well both household
incomes in the European Union and the individual incomes in the United States
for social classes of any income. This formalism allowed the study of the
impact of the recent world-wide financial crisis on the annual incomes of
different social classes. Hence, we indicate the existence of a possible
precursor of a market crisis. Besides, we find the most painful impact of the
crisis on incomes of all social classes.
