I think it's largely an issue of who has the imagination, and how they weigh the cost benefit. As you get older, that profile shifts radically, so not only are

I think it's largely an issue of who has the imagination, and how they weigh the cost benefit. As you get older, that profile shifts radically, so not only are they less available, they are, rightly, more risk averse. But if they have the right idea, and if they see the value as paying off then you get an incredible mix.