1.  Americans of average means are routinely involved in mutual funds, individual retirement accounts, annuities, pension funds and employer-sponsored investment programs offering tax advantages.

2.  It ensures that Peruvians of average means have the chance to buy shares of companies formerly owned by the government.

3.  It is hard to think of a political system more alienating to voters than one where the citizen of average means need not apply.

4.  Many are at risk because of participation in mutual funds or other pooled investments, which includes people of average means.