Ruth Lea, economic adviser to the Arbuthnot Banking Group, says the phrase "the top 1%" should always take wealth into account."When it gets into the press, it's about earnings rather than wealth. It is not what I believe to be the concept of rich."Many people would assume the top 1% are all bankers but it also includes landowners and long-standing family businesses, she says."In a society like ours, which is still class-ridden, there's an amazing acceptance of extremely wealthy people who have inherited the wealth. They don't come in for the criticism that the likes of Bob Diamond (chief executive of Barclays Bank) comes in for.