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By contrast, younger people tend to be debtors, and they are more so now than before. The leverage ratio (ratio of debt to equity) for 35- to 44-year-olds was just 22.3 percent in 1989, but increased to 28.1 percent in 2007, and was 37.3 percent in 2010. Lower rates help them by lowering their debt payments and increasing their cash flows. Debt payments as a percent of income have stayed fairly constant despite more debt; the ratio of debt payments to income only increased from 17.2 percent in 1989 to 20.1 percent in 2010.

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From the AP: James Mattioli especially loved recess and math, and his family described him as a "numbers guy" who came up with insights beyond his years to explain the relationship between numbers. He particularly loved the concept of googolplex, which a friend taught him.He was born four weeks before his due date, and his family often joked that he came into the world early because he was hungry.They wrote in his obituary that 6-year-old James, fondly called `J,' loved hamburgers with ketchup, his Dad's egg omelets with bacon, and his Mom's french toast. He often asked to stop at Subway and wanted to know how old he needed to be to order a footlong sandwich.He loved sports and wore shorts and T-shirts no matter the weather. He was a loud and enthusiastic singer and once asked, "How old do I have to be to sing on a stage?"

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