mr. zinsmeister: spending down is a big priority of modern donors. the fraction of foundations that used to spend down used to be 5%, and last time i checked is close to 30% now, and a fast-rising curve. not only because you can get into new attitudinal territory that would be unpalatable to the original donor, but because the power in most cases of this philanthropy is it is connected to the vigorous problem-solving ideas of the donor. and what could become embedded in a foundation -- it becomes sclerotic. you lose that freshness that made philanthropy important in the first place to encourage donors to spend hard when they are alive and make sure that the people they really trust clean up in 5, 10, 15 years after they had gone. george eastman was a pioneer in that, spending while living. ms. bowman: one more question, this gentleman in the back, and then i would like to invite you to reception. >> it has been pointed out that 56% of americans will find themselves in the top 10% of earners at some point in their lives. can you talk about that americ