There are some patterns in the demographics. The one that I think is most alarming is that the highest growth rate right now is among individuals aged 19 to 44, because 60% of them have a post-secondary education, and 50% of them have full-time employment. They've done everything right. They went to school, they got a job and they're working hard, yet that social contract we used to have that said, “You'll be fine,” has been broken.
