[JPhillips]

I'm probably no better overall than I was eight years ago and my net worth may be lower. I'm a lot better than I was three years ago, but that was after a pretty good fall.

I don't know the numbers, but I can certainly see how you could be worse off than eight years ago. If had had lost my job or house over the past three or four years, I'd likely be worse off. A catastrophic illness that led to bankruptcy would also likely make me worse off.