You make some sweeping generalities about many things, but i must take exception with a couple. You assesssment of baby boomers and GenXs has many flaws not the least is the idea that all are consumers and had had and easy and indulgent ride through life. I don't know what circles you mix in but among my baby boomer friends I would know more people who have invested and saved for the future than in my parents generation, in fact, I can't think of anyone who matches your general description. As for GenXs, well my children and their cohorts belong to that category and I see a very hardworking bunch of people who also plan for their future. They have been imbued with a culture of "goal setting" that sometimes seems to impinge on their enjoyment of life. if you are a lawyer you will know how hard articled clerks and young lawyers work. On the next point, if company directors and CEOs have been overpaid or reinbursed to extraordinary degree then if you are a shareholder of the company you should object, and you should have objected a year or three years ago, but perhaps like a lot of people you were happy with big profits and a skyrocketing share price ( especially in the techs!). We have a collective blame when it comes to greed. Read some of the posts on this forum when a share is climbing rapidly if you don't believe me. Having said that, I think it is good that you think about these things and take time to post on them.