"Arya and Dasa were only horizontal divisions, denoting groups of people living in their separate territories in north-western India... [dasyus were only] a segment of Dasas...[the term paṇi was used for people who were] rich and niggardly [and possibly] usurers, [and that the group of paṇis] cross-cuts the otherwise horizontal stratification of non-Aryas, [...] and may denote either an occupation or simply a set of values attributable to anyone."