Honestly with him as my audience I have to tone down any cause-effect blame &#x2F; hostilities that I genuinely harbor, because those are different subjects (though I did infer the fact that only workers over 55 in the US have gained in employment since 2008). Just describing the problem in terms people can understand seemed a worthwhile experiment. As context, he&#x27;s an Asset Manager and Financial Advisor for the public sector, so there&#x27;s nobody more disappointed in the lack of quality rate bearing gilt-edged securities than him, figuratively speaking.