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<<We've had this arguement before, and neither of us is willing cede ground on this issue. (Primarily because I'm right and Ray's just stubborn <g>.)>>

Hmmmm. As I recall, I won the debate and you slunk off in abject defeat. ;-)

<<The average household income in this country is in the low $30,000 range. (Sorry, I don't have a precise figure, but it's around 31-32K.) To argue that this option isn't open (or affordable) for most of us is--not correct, just stubborn. >>

Nope. Been there, done that. Most of the people who qualify can't afford to. After paying for food, clothing, housing, taxes (mustn't forget taxes--they are a larger expense more median-income families than the previous three items combined), car payment, insurance, cable, phone, electricity, gas, etc., most low-income families (the ones most likely to work for an employer who does not offer a 401k) do NOT have an extra $2000 of disposable income. I read the stats on some gov't WEB site somewhere, and IIRC these are where I got my information from.

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