He said the program was flawed because "poor people don't have the discretionary income to participate."

Couple that with discretionary income and you have a market.

"But now they're starting to use their discretionary income again for entertainment."

In recent years the rise of a large middle class with discretionary income has changed that.

This 30 to 49 demographic also has more discretionary income than other age groups, which is an important factor.

"But by 2000," he added, "Americans 55 and older will have twice the discretionary income of those who are 18 to 34."

"Our research tells us that black people are willing to spend their discretionary income on the things they want," she continued.

Both husband and wife have good jobs in advertising, with discretionary income to invest.

Her husband works in Tokyo for a construction company, and they spend most of their discretionary income on education.

In our country today seniors control 50 percent of discretionary income.