“This is not my art,” he said, gesturing to the visually stunning Sum of Symbols behind him. “This is only a prelude to the real art in the communities. These are dead skin cells that I shred, but ...

Someone who is younger may have a long-term time horizon of 20-25 years, if not longer. People who receive a lump sum in their 80s have a long-term time horizon of 7-10 years.