Sorry, I'm not ignorant of that stuff, it just doesn't apply to me in any meaningful degree. I'm not retired, or close to it, and I don't have any investment in

Sorry, I'm not ignorant of that stuff, it just doesn't apply to me in any meaningful degree. I'm not retired, or close to it, and I don't have any investment income, and I've never owned a home. I just work for a living. Perhaps I oversimplified when I said "ordinary people," but I meant regular working stiffs. I guess I should have remembered the audience on this site is mainly not in that category.