Continuing our coverage of the next generation of seniors, this one is for the kids - men and women in their 40s or 50s. They are our grown children, most of whom have not known privation, economic depression, a world without television or what it was like in a country that was truly at war to save democracy. In short, it's for a generation with little or no memory of what came before. As my late colleague Lars-Erik Nelson once wrote, few of these people "can imagine why there was ever a need for Social Security, Medicare, the GI Bill,...