Yellow is fake gold; it's veneer and show rather than substance. We see that with the yellow cocktail music at Gatsby's party (1) and the two girls in twin yellow dresses who aren't as alluring as the golden Jordan (3.15).
I think a moderate income is income above the median for famlies in your county, but not more than 25% of the median income. The IRS usually has this info for free, but I see they are now charging $10 for this on their web site for more recent years. http://www.irs.gov/taxstats/indtaxst...=96947,00.html.
Economic crisis image by Denis Ivatin from Fotolia.com. What is classified as a low-to moderate-income level is in a constant state of change as the economy continues to grow and add wealth to society.