During the past generation, the American middle-class family that once could count on hard work and fair play to keep itself financially secure has been transformed by economic risk and new realities.

在过去的几十年里，美国的中产阶级家庭曾经依靠努力工作和公平竞争来保证自己的财务安全，但现在的经济风险和新出现的情况已经改变了这种状况。