I think it's our old problem with 'average' again: since that group has
a high percentage of people spending down their 'life-savings' and
borrowing their way up, it probably doesn't make sense to look at the
whole group. I bet there's no one in that group who is 'average' at all
:)
The old joke is that to kill the rabbit you take two shots: one that's three feet wide to the right; and one that's three feet wide to the left. In the mean, the rabbit is dead.
/jordan