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The most rapidly-declining segment of American strata. Class of 2020 the year when shit got real Toilet paper shirt They are the middle management, the assistant branch managers, the foremen, the bank tellers, and the school teachers. Some can receive a bit of government subsidy but most cannot. They are the most likely people to be laid off during corporate M&A activity. They are active participants in the neighborhood watch and Big Brothers/Big Sisters but less so in the PTA and city council. They are the most likely to be in a public union. They use the banking system, have modest savings, and may even have a bit of money invested in some financial instruments. However, they are unlikely to be what people in finance call “sophisticated investors.”