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Most consumer sentiment polls now reveal that American corporations Americans are more pessimistic about the economy today than at any other period in the past decade. Suppose consumers are wrong?

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We cannot expect to inherit retirement savings from our parents; increasingly we may have to help our parents in their retirement as people are living longer and long term health care costs are rising dramatically. To make matters worse, most US Corporationsare slashing their pension plans, forcing US citizens to be entirely independent in saving for their future.

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