I think you are right - https://www.cnbc.com/2018/05/11/how-many-americans-have-no-retirement-savings.html https://www.cnbc.com/2018/05/11/how-many-americans-ha

I think you are right - https://www.cnbc.com/2018/05/11/how-many-americans-have-no-retirement-savings.html https://www.cnbc.com/2018/05/11/how-many-americans-have-no-r... - so, I guess I should have said "some people" have capital.