Still discouraged....By the 63% number. They think they've got the world under control, and chained to the rat-race that is "employment". If people are working full-time without saving enough to absorb a $500 debt without sinking, then what's the point of working? In my 20's I was making $500 a DAY. There is no excuse for 63% of their population to be overwhelmed by a $500 debt. Buffett is right. Give all of the money away. It will just settle back into the pockets it's in bow, but the growth generated by the billionaire philanthropy would be enormous. $500. My word