We really don't have a whole lot of evidence on that right now. There's actually a new survey that will become available in the next few months on financial capability, and it should answer a lot of those questions on demographic characteristics. It actually contains questions that are almost like a test of people's ability to plan their finances. Within a few months, we should have a lot more answers than we do right now on the ability of different groups to engage in financial planning.
On October 20th, 2009. See this statement in context.