When baby boomers entered the workforce, the economy did not generate jobs fast enough and hundreds of thousands emigrated to the more industrialized Sweden, migration peaking in 1969 and 1970 (today 4.7 percent of Swedes speak Finnish). By the 1990s, farm laborers had nearly all moved on, leaving owners of small farms. By 2000 the social structure included a politically active working class, a primarily clerical middle class, and an upper bracket consisting of managers, entrepreneurs, and professionals. The social boundaries between these groups were not distinct. Causes of change included the growth of a mass culture, international standards, social mobility, and acceptance of democracy and equality as typified by the welfare state. The generous system of welfare benefits emerged from a long process of debate, negotiations and maneuvers between efficiency-oriented modernizers on the one hand and Social Democrats and labor unions. A compulsory system provides old-age and disability insurance, financed mostly by taxes on employers. The national government provides unemployment insurance, maternity benefits, family allowances, and day-care centers. Health insurance covers most of the cost of outpatient care. The national health act of 1972 provided for the establishment of free health centers in every municipality. There were major cutbacks in the early 1990s, but they were distributed to minimize the harm to the vast majority of voters. The post-war period was a time of rapid economic growth and increasing social and political stability for Finland. The five decades after the Second World War saw Finland turn from a war-ravaged agrarian society into one of the most technologically advanced countries in the world, with a sophisticated market economy and high standard of living. In 1991, Finland fell into a depression caused by a combination of economic overheating, fixed currency, depressed Western, Soviet, and local markets. Stock market and housing prices declined by 50%. The growth in the 1980s was based on debt and defaults started rolling in. GDP declined by 15% and unemployment increased from a virtual full employment to one fifth of the workforce. The crisis was amplified by trade unions' initial opposition to any reforms. Politicians struggled to cut spending and the public debt doubled to around 60% of GDP. Some 7–8% of GDP was needed to bail out failing banks and force banking sector consolidation. After devaluations the depression bottomed out in 1993. The GDP growth rate has since been one of the highest of OECD countries and Finland has topped many indicators of national performance. Until 1991, President Mauno Koivisto and two of the three major parties, Center Party and the Social Democrats opposed the idea of European Union membership and preferred entering into the European Economic Area treaty.