We live in unusual times. Our age is unlike any other in the extent to which it emphasises opportunities for individual opportunity, chiefly the opportunity to make money. You can do it! Dream big! Seize the day! are the resounding slogans. For most of history, we lived and died on the same rung of the social ladder. Our parents' occupations determined our own. Prospects for betterment did not exist. Financial markets were primitive and capital was not easily available. Technological discoveries came along every 200 years, and political change even less frequently.