Upper class, ho ho ho. The middle class is where all those cruises are being sold to. They have huge disposable incomes due to final salary pensions and no mo

Upper class, ho ho ho. The middle class is where all those cruises are being sold to. They have huge disposable incomes due to final salary pensions and no mortgage to pay, or they've downsized and unlocked huge sums in an over-inflated housing market because we stopped building enough homes year on year 40 years ago when Thatcher banned the councils from doing so. Pensioners now have higher disposable incomes on average than working people in the UK. The average person under the age of 50 today will never have it as good as the baby boomers, unless some major, socially liberating, tech advance happens.