cj, if I may take this one?
simply put, as your income and utility decline, you have less to lose, so to speak, therefore your risk is going to coincide with the decrease. Let's take investing in the stock market for example, the less you put into stock, the less potential for loss you have, or lower amount of risk you are involved in...does that make sense?
and for the second question, yes for me...but cj will have to answer that on his own
My future's so bright I gotta wear shades.
I miss my old signature.