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Most consumer sentiment polls now contact us that American consumers are more pessimistic relating to the economy today than at any other amount of time in the past decade. Imagine consumers are wrong? We cannot expect to inherit retirement savings from your parents; increasingly we could have to help our parents in their retirement amazing are living longer and long term health care costs are rising on an ongoing basis. To make matters worse, most US Corporationsare slashing their pension plans, forcing US citizens to be entirely i