In general, the demographic and attitudinal characteristics of buyers and non-buyers discussed heretofore have not changed markedly between 1986 and 2003. The most notable difference occurs in the income and asset level of buyers, which increased dramatically throughout the nineties. This likely reflects the booming state of the economy and the high returns to stock market investments. The percentage of buyers who are college graduates and the average age of working buyers also increased through that time. There is also a noticeable decrease in the percentage of buyers who worry about how to pay for LTC. This trend may reflect the growing confidence of buyers in the insurance industry.