3.64. A U.S. Federal Reserve study in 2000 indi- cated that for those families with annual incomes above $100,000, their median net worth was about $500,000 both in 1995 and in 1998, but their mean net worth rose from $1.4 million in 1995 to $1.7 million in 1998. A newspaper story about. this said that the mean uses "a calculation that captures the huge gains made by the wealthiest Americans." Why would the median not necessar- ily capture those gains? 3.65. The fertility rate (mean number of children per adult woman) varies in Western European?