frank, im 75, white, broke, not poor, athiest and i grew up with racism, intolerance, gender biases, religious bigotry, white entitlement and all the other great things that made america great, for guys like you. it gave nothing, then or now, to its poor. where did you ever get the idea that diversified investments are something anyone can do? you have to make a little more than a living wage to have enough leftover to 'do it'. go to mcdonalds, do you think those seventy year old people just love working at mcdonalds? reagan, clinton and bush gave us what we have today, not obama. you are a spoiled, pampered, very uncaring, old, rich, white entitled, male, with a 67% chance of being a born again christian. thank you pew research.