Yes, thanks for the input. So to be more specific and cite some examples that are within my immediate scope. I am a business owner and a few years away from retirement. I'm in construction and have just shy of 500 employees. We are partially owned by an ESOP because the employees are that valuable to the whole thing. During the great recession I gave up everything personally to save the company. Flat-ass broke in my late 40's. Over the last ten years we have built back up and are better than ever, but I'll never forget that we were within 30 days of the bank taking it away. Currently I'm strategizing to prepare for the next generation to run the show, and also getting myself situated to enjoy life when I can step away. Our employees are compensated fairly and they are owners inside the ESOP, but I don't think most of them would do this job if they didn't need the money. In my personal life, we have a retirement home on a golf course - still trying to learn how to play. Again, I don't think the guys working on the course would toil in the heat to mow a golf course if they didn't need the money. Who's going to do that? Do those types of jobs go away? Everyone can probably relate if they think about how many people they depend on to provide services in our economy.