If you’re a woman in North America, the OECD estimates that you make $10,000 less than your male counterparts each year, and you’re charged between $1,300 and $2,135 more for products and services. It’s a gender fine that adds up to about half a million dollars over your lifetime—and that’s if you’re lucky. If you’re college-educated, a professional school graduate, a minority, or a Millennial, experts estimate that your gender fine ranges between $1 and $2 million.