It was such a great thing for the kids. They came from all backgrounds, all different income levels and by the end of the session it was like, arms around each other singing camp songs.

If your eight times income is half a million dollars and you have two kids, you'd add another $200,000, so you'd have a $700,000 policy. That sounds like a lot, but when it's term insurance it is actually cheap.

Baby boomers have disposable income. The younger audience doesn't have that disposable income. Kids just can't afford it.

This agency has arisen the last few years to meet the need of low income kids who need a place to go to participate in activities that a lot of kids have available and otherwise may take for granted.

Only the kids who get a postsecondary education are even keeping even in terms of income in their lives, and so forth. The rest are falling behind, year by year. Only about a twelfth of the Latino kids and maybe a sixth of the black kids are getting college degrees. The rest of them aren't getting ready for anything that's going to have much of a future in the American economy.

We tend to own our houses and the kids are grown and with a double income, it has become the number one growing hobby in the last 10 years.