Hocuspocus, I couldn't agree more but how do you measure intelligence? Your level of education is one of the best ways although not always that accurate that is very true. Are you saying the "study" was not accurate?
BTW did I mention I am 36 and retired? I actually quit work 2 years ago. I could argue I was very lucky or I could argue blessed. I will take blessed...LOL. All the best mate and no offence taken.