That is why I wrote what I did. Heck, people are not even planning for their own retirement, much less losing employment. We need to think differently. My parents came of age in the great depression followed by a world war. There was the saying: "Once poor, never rich." They planned for hard times and retirement because of what they endured. We are likely entering something similar, with the addition of a corrupt and captured government working against the country as we've known it. There may not be anything we can do in the near term, so working to re-educate our children and the younger generation is going to be needed. We can't count on media and the schools to do the right thing. What I like about our bad cat's posts is he sparks discussions among us who comment. Always good ideas and good criticisms here.