As it's your 40th birthday This, we'd like to say May you be bathed in goodness, happiness and sunshineness On this, your special day.
There's one other element I just want to be sure to mention here: that is that there are 43 million young people who are locked into predatory student loan debt for whom there is no way out in the foreseeable future given the economy that we have: this predatory Wall Street driven financialized low-wage service industry economy.