1. If current age and employment rates continue, there will be fewer working Americans to sup- port the nonworking older adult population in the year 2020. What may be done to make the Social Security system more viable? 2. The famous philosopher George Santayana (1863-1952) said, "Nonsense is so good only be- cause common sense is so limited." Considering this saying, why do you think so many people fall prey to scams and frauds? List five financial phrases or scams that attract investors. 3. Why do people have collections? Do you or any of your friends collect anything? If so, what is it, and how did the collection start? How can someone tell if a collectible is correctly priced?