Mark, i am only talking about "working families". "Working families" in my opinion are those who are between 20-40, up in their axx in debt (mortgage, credit card, car loan), have multiple "young" kids, drive their cars everywhere instead of taking public transport to cut costs, like to spend buying luxuries. The kind of "working families" that Krudd targets. Of course, for people who are about to retire and to the people who are "unfortunate" enough to invest their hard earned money instead of spending it, this is the worst of times.
