Dear Diary, Dow down 70 points. Gold back under $1,300 an ounce. Nothing much to talk about there… Meanwhile, we see pain and suffering. At the bottom of the financial heap, day by day, people struggle to get by. The averages hide it. The average figures – for wages, household incomes and household wealth – are lifted skyward by the gas at the top. Thanks to the rise in asset prices, those with substantial assets have become substantially richer, raising the averages. But what about those at the bottom? This is not the middle class we’re talking about, but those down below.