Meh… I downloaded the actual paper from the link. There are so many holes in it I don’t have enough time to cite them all… not sure for who, why, or for what purpose this was written but I can think of a few high school students in our district (who I have had the pleasure of tutoring in other subjects…), who can write a better than this.

Wealth distribution factors and aging factors in EU, in Japan, and in the US are multi-factorial, each impacted by far broader and systemic issues than what this presents…🙄