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Other amount <a href=" http://www.festivalofarchives.org/loans-mi/#stroke ">fixed rate annuities pros and cons</a> I think, the article misses an important view point of 'luck' that is the bigger issue. The article goes about luck and meritocracy but fails to address the growing concern of people being born into riches(LUCK LUCK LUCK) and trust funds (LUCK LUCK LUCK) for eg: Mitt Romney's children. The current policies are not helping either in that Mitt Romney and his children pay lesser taxes than a regular guy. Also, the current policies will perpetuate the wealth transfer between generations, making it an infinite loop with little or no chance for others to break-in.