Ed, we also know a lot of stuck and strained people. Although are only debt is a small mortgage, the downturn in 2019/2020 is going to create a very bumpy ride in a few years. It wouldn’t be such a big deal, but our youngest son is chronically ill and disabled. He lives on his own, but we have to put in daily support, and a large amount of money (which is about as much as the money that will disappear in a few years). One might think that having a professional career would provide a nice cushion for retirement, but not so for far too many people with professional careers… in business and academia.