To Joker10 @ Mary,
Always remember the power of compound interest. If you had $4,500,000 dollars to invest in 1990 and you were able to find a 10year investment that paid 3% then by the early 2000s your investment would have grown to $6,500,000.
The 3% figure hapens to equal the world population growth. So, yawn, the WTS has grown but has it keep pace? I think not.
battman