This is a generation that has a tremendous amount of disposable income.

Welfare and dependency grants, personal income tax relief, and cuts in those costs which would make housing more affordable for middle and low income earners are likely to buoy consumption expenditure, and manufacturing.

The real growth has come from the hotels.

We have had a quarter century of tuition going up faster than family income. And we've had completely inadequate increases in the Pell grant. Many states and institutions are shifting from need-based aid to aid based on test scores. At the same time, college has become much more essential for achieving middle-class status in the U.S.

The demographic of rugby is very much a target for our business because they have a high income. We have aspirations of being a global brand and rugby is a major contributor.

We need to ensure that the price of funerals is within reach of low-income earners. Better protection for consumers from unscrupulous operators and an effective system to address complaints ... is also required.