【正文】
ensive automobiles, relative to ine, than ever before—vehicles that are far more than what is needed for safe transportation. Excessive creditcard debt, another type of unjustifiable borrowing, is at record levels—and rising—among American households. Does the babyboomers39。 current penchant for retirement investing pensate for these excesses? Probably not. This trend is fueled by unrealistic expectations of future returns。 it may therefore, escalate to speculation and, at its