Instead, I am thinking about toasting the future and my parents who helped contribute to a special 40th birthday. If I look homeless, that is just a coincidence. I rent a home, just sold a home, earned a Ph.D and....well...the differences since the mortgage bubble collapse are hard to detect. They say 'education pays' but I think it takes a lot more than this. I am the 1% of the globe with an education, and for this I am thankful. Now, if only I could win the lottery so that I can make ends meet in the United States.