The middle class is a class of people in the middle of a societal hierarchy. In Weberian socio-economic terms, the middle class is the broad group of people in contemporary society who fall socio-economically between the working class and upper class. The common measures of what constitutes middle class vary significantly between cultures.

History and evolution of the term[link]

The term "middle class" is first attested in James Bradshaw's 1745 pamphlet Scheme to prevent running Irish Wools to France.^[1][2] The term has had several, sometimes contradictory, meanings. It was once defined by exception as an intermediate social class between the nobility and the peasantry of Europe.^{[by whom?]} While the nobility owned the countryside, and the peasantry worked the countryside, a new bourgeoisie (literally "town-dwellers") arose around mercantile functions in the city. Another definition equated the middle class to the original meaning of capitalist: someone with so much capital that they could rival nobles. By this definition, only millionaires and billionaires are middle class in modern times. In fact, to be a capital-owning millionaire was the essential criterion of the middle class in the industrial revolution. In France, the middle classes helped drive the French Revolution.^[3]

The modern sociological usage of the term "middle class", however, dates to the 1911 UK Registrar-General's report, in which the statistician T.H.C. Stevenson identified the middle class as that falling between the upper class and the working class. Included as belonging to the middle class are professionals, managers, and senior civil servants. The chief defining characteristic of membership in the middle class is possession of significant human capital.

Within capitalism, middle class initially referred to the bourgeoisie and petite bourgeoisie. However, with the immiserisation and proletarianisation of much of the petit bourgeois world, and the growth of finance capitalism, middle class came to refer to the combination of labour aristocracy, professionals and white collar workers.

The size of the middle class depends on how it is defined, whether by education, wealth, environment of upbringing, social network, manners or values, etc. These are all related, though far from deterministically dependent. The following factors are often ascribed in modern usage to a "middle class":^{[by whom?]}

• Achievement of tertiary education.
• Holding professional qualifications, including academics, lawyers, chartered engineers, politicians and doctors regardless of their leisure or wealth.
• Belief in bourgeois values, such as high rates of house ownership and jobs which are perceived to be "secure".
• Lifestyle. In the United Kingdom, social status has historically been linked less directly to wealth than in the United States,^[4] and has also been judged by pointers such as accent, manners, place of education, occupation and the class of a person's family, circle of friends and acquaintances.^[5][6]
• Cultural identification. Often in the United States, the middle class are the most eager participants in pop culture whereas the reverse is true in Britain.^[7]

The second generation of new immigrants will often enthusiastically forsake their traditional folk culture as a sign of having arrived in the middle class.^{[citation needed]}

In the United States by the end of the twentieth century, more people identified themselves as middle class than as lower or "working" class (with insignificant numbers identifying themselves as upper class).^[8] The British Labour Party, which grew out of the organized labour movement and originally drew almost all of its support from the working class, reinvented itself under Tony Blair in the 1990s as "New Labour", a party competing with the Conservative Party for the votes of the middle class as well as the working class. By 2011, almost three quarters of British people were also found to identify themselves as Middle Class.^[9]

Marxism[link]

In Marxism, which defines social classes according to their relationship with the means of production, the "middle class" is said to be the class below the ruling class and above the proletariat in the Marxist social schema. Marxist writers have used the term in two distinct but related ways.^[10] In the first sense it is used for the bourgeoisie, the urban merchant and professional class that stood between the aristocracy and the proletariat in the Marxist model. However, in modern developed countries, the bourgeoisie is taken to be the class that owns and controls the means of production, and is thus considered the ruling class in capitalist societies. As such, some Marxist writers specify the petite bourgeoisie – owners of small property who may not employ wage labor – as the "middle class" between the ruling and working classes.^[10] Marx himself regarded this version of the "middle class" as becoming merged with the working classes.^[10] The fact that recent decades have seen a large section of small businessmen (shopkeepers, restaurants) replaced by wage-workers (in supermarkets or chains of restaurants) has led most marxists to theorize an expansion of the working class at the expense of the middle class.

Recent growth of the global middle class[link]

In February 2009, The Economist announced that over half the world's population now belongs to the middle class, as a result of rapid growth in emerging countries. It characterized the middle class as having a reasonable amount of discretionary income, so that they do not live from hand to mouth as the poor do, and defined it as beginning at the point where people have roughly a third of their income left for discretionary spending after paying for basic food and shelter. This allows people to buy consumer goods, improve their health care, and provide for their children's education. Most of the emerging middle class consists of people who are middle-class by the standards of the developing world but not the rich one, since their money incomes do not match developed country levels, but the percentage of it which is discretionary does. By this definition, the number of middle class people in Asia exceeded that in the West sometime around 2007 or 2008.^[11]

The Economist's article pointed out that in many emerging countries the middle class has not grown incrementally, but explosively. The rapid growth results from the fact that the majority of the people fall into the middle of a right-skewed bell-shaped curve, and when the peak of the population curve crosses the threshold into the middle class, the number of people in the middle class grows enormously. In addition, when the curve crosses the threshold, economic forces cause the bulge to become taller as incomes at that level grow faster than incomes in other ranges. The point at which the poor start entering the middle class by the millions is the time when poor countries get the maximum benefit from cheap labour through international trade, before they price themselves out of world markets for cheap goods. It is also a period of rapid urbanization, when subsistence farmers abandon marginal farms to work in factories, resulting in a several-fold increase in their economic productivity before their wages catch up to international levels. That stage was reached in China some time between 1990 and 2005, when the middle class grew from 15% to 62% of the population, and is just being reached in India now.

The Economist predicted that surge across the poverty line should continue for a couple of decades and the global middle class will grow enormously between now and 2030.

As the American middle class is estimated at approximately 45% of the population,^[12][13][14] The Economist's article would put the size of the American middle class below the world average. This difference is due to the extreme difference in definitions between The Economist's and many other models.^[discuss]

In 2010, a working paper by the OECD estimated that 1.8 billion people were now members of the global middle class.^[15]

Professional-managerial class[link]

In 1977 Barbara Ehrenreich and her then husband John defined a new Marxist class in United States as "salaried mental workers who do not own the means of production and whose major function in the social division of labor...(is)...the reproduction of capitalist culture and capitalist class relations"; the Ehrenreichs named this group the "professional-managerial class".^[16] This group of middle-class professionals are distinguished from other social classes by their training and education (typically business qualifications and university degrees),^[17] with example occupations including academics and teachers, social workers, engineers, managers, nurses, and middle-level administrators.^[18] The Ehrenreichs developed their definition from studies by André Gorz, Serge Mallet, and others, of a "new working class", which, despite education and a perception of themselves as being middle class, were part of the working class because they did not own the means of production, and were wage earners paid to produce a piece of capital.^[19] The professional-managerial class seeks higher rank status and salary,^[20] and tend to have incomes above the average for their country.^[21]

Compare the term "managerial caste".^[22]

See also[link]

• Lower middle class
• Upper middle class
• American middle class
• Black middle class
• British class system
• Gemütlichkeit
• Occupational prestige
• Social environment
• Disenchantment
• Rational-legal authority
• Normalization (sociology)
• Iron cage
• Habitus (sociology)
• Cultural determinism
• One-third hypothesis'
• Middle class squeeze
• Dominant culture
• Cultural hegemony
• Cultural imperialism
• The Media Elite

Other:

• Bourgeoisie
• Classlessness
• The Lonely Crowd
• Status paradox of migration
• Producerism
• Xiaozi
• Middle Class Millionaire
• Essex man
• Little Englander
• Worcester woman
• Deep England

References[link]

External links[link]

• Australia’s middle has moved
• Beazley reaches out to 'middle Australia'
• NOW on PBS: Middle Class Insecurity Are politicians listening to middle-class families on the edge of economic collapse?

Elizabeth Warren (born June 22, 1949) is an American bankruptcy law expert, policy advocate, Harvard Law School professor, and Democratic Party candidate in the 2012 United States Senate election in Massachusetts. She has written several academic and popular books concerning the American economy and personal finance. She contributed to the oversight of the 2008 U.S. bailout program, and also led the conception and establishment of the Consumer Financial Protection Bureau.

Born in Oklahoma City, Oklahoma, Warren attended The George Washington University and the University of Houston. She received a J.D. from Rutgers School of Law–Newark in 1976. Warren taught law at several universities and was listed by the Association of American Law Schools as a minority law professor throughout the 1980s and 1990s. In the wake of the U.S. financial crisis, Warren served as chair of the Congressional Oversight Panel created to oversee the Troubled Assets Relief Program in 2008. She later served as Assistant to the President and Special Advisor to the Secretary of the Treasury for the Consumer Financial Protection Bureau under U.S. President Barack Obama.

Early life and education[link]

Elizabeth Herring^[1] was born June 22, 1949,^[2] in Oklahoma City, Oklahoma, to working class parents Pauline (née Reed) and Donald Jones Herring.^[3][4][5] She was the Herrings' fourth child, with three older brothers.^[6] When Warren was twelve, her father, a janitor, had a heart attack, which led to a pay cut, medical bills, and eventually the loss of their car. Her mother answered phones at Sears and Warren worked as a waitress.^[6][7]

At Northwest Classen High School she was named "Oklahoma's top high-school debater". She received a debate-team scholarship to George Washington University at the age of 16. Initially aspiring to be a teacher, she left GWU after two years to marry her high-school boyfriend Jim Warren.^[6][8] She moved to Houston to be with her husband, who was a NASA engineer. There she enrolled in the University of Houston where she graduated in 1970 with a degree in speech pathology and audiology.^[9] She taught children with disabilities for a year in a public school. However, she had not taken the required education courses to get a teaching certificate (she previously taught under an "emergency certificate"). After taking several graduate education courses, she decided she no longer wanted to pursue education as a career. She and her husband moved to New Jersey and since she was pregnant with their first child, she decided to stay at home for a few years.^[10][11][12]

After making a decision to study law, Warren enrolled at the Rutgers School of Law–Newark,^[10] where she served as an editor of the Rutgers Law Review, and was a summer associate at Cadwalader, Wickersham & Taft's.^[13] Shortly before her graduation in 1976, she became pregnant with her second child and she worked from home, writing wills and doing real estate closings.^[8][10]

She and Jim had two children before divorcing in 1978: Amelia Warren Tyagi, with whom Elizabeth would later coauthor two books and several articles, and a son, Alexander Warren. Today they have three grandchildren.^[14] In 1980, Warren married Bruce Mann, also a Harvard law professor. She cites Methodist founder John Wesley as an inspiration.^[15]

Academic career[link]

Throughout the 1980s and 1990s she taught law at several universities throughout the country, while researching bankruptcy and middle-class personal finance.^[10] In 1978 Congress had passed a law that made it easier for companies and individuals to declare bankruptcy and Warren decided "to set out to prove they were all a bunch of cheaters... I was going to expose these people who were taking advantage of the rest of us". However, she instead found that the vast majority of those in bankruptcy courts were from hardworking middle-class families: people who had lost their jobs or had family breakups or illnesses that had wiped out their savings. "It changed my vision," she said.^[6]

According to her CV, she taught at the Rutgers School of Law–Newark (1977–78), the University of Houston Law Center (1978–83), the University of Michigan (visiting, 1985), and the University of Texas School of Law (1981–87). She also worked as a research associate at the University of Texas at Austin (1983–87). She joined the University of Pennsylvania Law School in 1987, where she became the William A Schnader Professor of Commercial Law in 1990. She joined Harvard Law School in 1992 as the Robert Braucher Visiting Professor of Commercial Law, and began a permanent position as the Leo Gottlieb Professor of Law in 1995.^[16]

In 1995 Warren was asked to advise the National Bankruptcy Review Commission. She helped to draft the commission's report and then spent several years opposing legislation meant to severely restrict the right of consumers to file for bankruptcy. Warren and others opposing the legislation were not successful and in 2005 the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 was passed by Congress.^[17]

Warren appeared in the documentary film Maxed Out in 2006, has appeared several times on Dr. Phil to talk about money and families, has been a guest on The Daily Show,^[18] is interviewed frequently on cable news networks,^[19] appears in Michael Moore's Capitalism: A Love Story, has appeared on the Charlie Rose talk show,^[20] and has appeared on the Real Time With Bill Maher talk show.^[21] She has also appeared on the PBS show NOW.^[22]

Warren in 2010 at a Women in Finance symposium held at the U.S. Treasury.

From November 2006 to November 2010, Warren was a member of the FDIC Advisory Committee on Economic Inclusion, which advises the FDIC "on important initiatives focused on expanding access to banking services by underserved populations".^[23] She is a member of the National Bankruptcy Conference, an independent organization which advises the U.S. Congress on bankruptcy law.^[24] She is a former Vice-President of the American Law Institute and a member of the American Academy of Arts and Sciences. From 2005 to 2008, Warren and her law students wrote a blog called Warren Reports, part of Josh Marshall's TPMCafe.

Popular works[link]

In addition to writing more than 100 scholarly articles and six academic books, Warren has written several best-selling books, including All Your Worth: The Ultimate Lifetime Money Plan, coauthored with her daughter, Amelia Tyagi.

Warren and Tyagi also wrote The Two-Income Trap: Why Middle-Class Mothers and Fathers Are Going Broke. Warren and Tyagi point out that a fully employed worker today earns less inflation-adjusted income than a fully employed worker did 30 years ago. To increase their income, families have sent a second parent into the workforce. Although families spend less today on clothing, appliances, and other consumption, the costs of core expenses such as mortgages, health care, transportation, and child care have increased dramatically. The result is that even with two-income earners, families are no longer able to save and have incurred greater and greater debt.

In an article in The New York Times, Jeff Madrick said of Warren's book:

The upshot is that two-income families often have even less income left over today than did an equivalent single-income family 30 years ago, even when they make almost twice as much. And they go deeper in debt. The authors find that it is not the free-spending young or the incapacitated elderly who are declaring bankruptcy so much as families with children... their main thesis is undeniable. Typical families often cannot afford the high-quality education, health care and neighborhoods required to be middle class today. More clearly than anyone else, I think, Ms. Warren and Ms. Tyagi have shown how little attention the nation and our government have paid to the way Americans really live.^[25]

In an article in Time magazine by Maryanna Murray Buechner, "Parent Trap" (subtitled "Want to go bust? Have a kid. Educate same. Why the middle class never had it so bad"), Buechner said of Warren's book:

For families looking for ways to cope, Warren and Tyagi mainly offer palliatives: Buy a cheaper house. Squirrel away a six-month cash cushion. Yeah, right. But they also know that there are no easy solutions. Readers who are already committed to a house and parenthood will find little to mitigate the deflating sense that they have nowhere to go but down.^[26]

In 2005, David Himmelstein and Warren published a study on bankruptcy and medical bills,^[27] which said that half of all families filing for bankruptcy did so in the aftermath of a serious medical problem. The finding was particularly noteworthy because 75 percent of families who fit that description had medical insurance.^[28] This study was widely cited in academic studies and policy debates, though some have challenged the study's methods and offered alternative interpretations of the data.^[29]

TARP oversight[link]

On November 14, 2008, Warren was appointed by United States Senate Majority Leader Harry Reid to chair the five-member Congressional Oversight Panel created to oversee the implementation of the Emergency Economic Stabilization Act.^[30] The Panel releases monthly oversight reports that evaluate the government bailout and related programs.^[15] The Panel's monthly reports under Warren's leadership covered foreclosure mitigation, consumer and small business lending, commercial real estate, AIG, bank stress tests, the impact of the Troubled Asset Relief Program (TARP) on the financial markets, government guarantees, the automotive industry, and many other topics. The Panel has also released special reports on financial regulatory reform and farm loans. For each report, Warren released a video on the Congressional Oversight Panel's website explaining key findings.^[a]

In an interview at Newsweek, Warren commented, "To restore some basic sanity to the financial system, we need two central changes: fix broken consumer-credit markets and end guarantees for the big players that threaten our entire economic system."^[31]

On July 29, 2011, she left her role with the agency to return to academic life at Harvard Law School. Her departing address indicated how she first became involved:

Four years ago, I submitted an article to Democracy Journal that argued for a new government agency called the Financial Product Safety Commission. I threw myself into that piece because I felt strongly that a new consumer agency would make the credit markets work better for American families and strengthen the economic security of the middle class... I leave this agency, but not this fight... the issues we deal with – a middle class that has been squeezed and business models built on tricks and traps – are deeply personal to me, and they always will be.^[32]

Consumer Financial Protection Bureau[link]

Warren has long advocated for the creation of a new Consumer Financial Protection Bureau, a watchdog agency designed to "make basic financial practices such as taking out a mortgage or loan more clear and transparent while ferreting out unfair lending practices," according to CNN. In an interview with the Huffington Post, Warren said "My first choice is a strong consumer agency. My second choice is no agency at all and plenty of blood and teeth left on the floor".^[33] Through Warren's efforts, the bureau was established by the Dodd–Frank Wall Street Reform and Consumer Protection Act signed into law by Obama in July 2010. For the first year after the bill's signing, Warren worked on implementation of the bureau as a Special Assistant to the President in anticipation of the agency's formal opening. While liberal groups and consumer advocacy groups pushed for Obama to nominate Warren as the agency's permanent director, Warren was strongly opposed by financial institutions which had criticized Warren as overly aggressive in pursuing regulations, and by the Republican members of Congress. Furthermore, she did not have the strong support of the Obama administration, particularly Treasury Secretary Tim Geithner. In July 2011, Obama instead announced the nomination of former Ohio Attorney General Richard Cordray as the bureau's director, subject to Congressional approval.^[34] However, in December his nomination was blocked by a Republican-led filibuster in the Senate. Until a director is confirmed, the agency will not gain the full measure of its powers. It can supervise the compliance of banks with existing laws, but the Dodd-Frank financial legislation dictates that it cannot supervise other financial companies or write new rules. On 4 January 2012, President Obama named Ohio Attorney General Richard Cordray the Bureau's Director in a recess appointment.^[35]

2012 US Senate run[link]

The neutrality of this section is disputed. Please see the discussion on the talk page. Please do not remove this message until the dispute is resolved. (May 2012)

On September 14, 2011, Warren declared that she intended to run for the Democratic nomination for the 2012 election in Massachusetts for the United States Senate seat currently held by incumbent Scott Brown.^[36][37] On September 21, a video of Warren explaining the rationale of her economic policy received attention on the Internet.^[38]

Cherokee self-identification controversy[link]

An editor has expressed a concern that this section lends undue weight to certain ideas relative to the article as a whole. Please help to discuss and resolve the dispute before removing this message. (June 2012)

Warren listed herself as a minority in the Association of American Law Schools directory of law professors, from 1986 to 1995.^[39] The Brown campaign, the Native American Rights Fund, and a group of more than 150 Cherokees organized by Cherokee genealogist and activist David Cornsilk^[40][41] have questioned her motives for the claim and its propriety.^{[42][43][44][45][46]} The group, “Cherokees Demand Truth from Elizabeth Warren”, plans a protest at the Massachusetts Democratic Convention on June 2, 2012.^[47]

Genealogist Chris Child at the New England Historic Genealogical Society researched Warren's claimed native ancestry but found nothing conclusive. According to Child, “Once you go back further than 150 years the records are more complicated to go through,” and it may take weeks to months to make a determination.^[48][49][50] Warren said that she had heard family stories about her Cherokee ancestors her entire life ^[51] and had hoped it would create opportunities to meet people like her (even though the directory does not specify which minority professors belong to).^[39] But according to Warren, such opportunities never materialized and she eventually "stopped checking it off".^[52]

A month after the controversy began the Boston Globe discovered documents indicating that the Harvard University Law School had reported employing a Native American professor to the U.S. government in the years immediately before and after Warren left Harvard for a stint at the University of Pennsylvania.^[53] The most recent diversity census, for 2011, still shows one Native American professor. The census says that “Race/Ethnicity designations are from self-report data”.^[39] Warren, who does not meet the federal diversity definition of "Native American," admitted providing the information that she was a Native American to University of Pennsylvania and Harvard faculty in conversations after she was hired but denied that "there was [any] reporting for this".^[53] The Washington Post observed that she had "turned what could have been a small problem into a major story" by the way she had handled the issue.^[54]

According to a Suffolk University/7NEWS (WHDH-Boston) poll of 600 likely voters on May 20-22, 2012 there was 72 percent awareness of the controversy. 69 percent said Warren’s Native American heritage listing was not a significant story and 27 percent said it was.^[55][56]

Recognition[link]

Warren at the 2009 100 Most Influential People in the World reception.

Since about 2009, Warren has been recognized by several institutions as a major political figure. In 2009, the Boston Globe named her the Bostonian of the Year,^[9] and the Women's Bar Association of Massachusetts honored her with the Lelia J. Robinson Award.^[57] She was named one of Time Magazine's 100 Most Influential People in the World in 2009 and 2010.^[58] The National Law Journal has repeatedly named Warren as one of the Fifty Most Influential Women Attorneys in America,^[59] and in 2010 they honored her as one of the 40 most influential attorneys of the decade.^[60]

Warren has been recognized for her dynamic teaching style. In 2009, Warren became the first professor in Harvard's history to win the law school's teaching award twice. The Sacks-Freund Teaching Award was voted on by the graduating class in honor of "her teaching ability, openness to student concerns, and contributions to student life at Harvard."^[61] Warren also has won awards from her students at the University of Pennsylvania, the University of Michigan, and the University of Houston Law Center. She delivered the commencement address at the Rutgers School of Law–Newark in May 2011, where she was awarded an Honorary Doctor of Laws degree and was conferred membership into the Order of the Coif.^[62]

Publications[link]

Selected articles

• Warren, E. (1987). "Bankruptcy Policy". The University of Chicago Law Review 54 (3): 775–814. JSTOR 1599826. 
• Warren, E. (1992). "The Untenable Case for Repeal of Chapter 11". The Yale Law Journal 102 (2): 437–479. JSTOR 796843. 
• Warren, E. (1993). "Bankruptcy Policymaking in an Imperfect World". Michigan Law Review 92 (2): 336–387. JSTOR 1289668. 
• "Principled Approach to Consumer Bankruptcy". American Bankruptcy Law Journal 71: 483. 1997. http://heinonline.org/HOL/LandingPage?collection=journals&handle=hein.journals/ambank71&div=25&id=&page=. 
• "The Bankruptcy Crisis". Indiana Law Journal 73 (4): 1079. Fall 1998. http://www.law.indiana.edu/ilj/volumes/v73/no4/index.shtml. 
• Warren, Elizabeth; Westbrook, Jay Lawrence (January 2000). "Financial Characteristics of Businesses in Bankruptcy". SSRN Electronic Journal 73: 499. DOI:10.2139/ssrn.194750. http://papers.ssrn.com/sol3/papers.cfm?abstract_id=194750. 
• Himmelstein, DU; Warren, E; Thorne, D; Woolhandler, S (2005). "Illness and injury as contributors to bankruptcy". Health affairs (Project Hope) Suppl Web Exclusives: W5–63–W5–73. DOI:10.1377/hlthaff.w5.63. PMID 15689369. 
• "The Vanishing Middle Class". In Edwards, John, ed. (2007). Ending Poverty in America: How to Restore the American Dream. The New Press. ISBN 978-1-59558-176-1. 
• Himmelstein, David U.; Warren, Elizabeth; Thorne, Deborah; Woolhandler, Steffie J. (2005). "Illness and Injury as Contributors to Bankruptcy". SSRN Electronic Journal. DOI:10.2139/ssrn.664565. 
• Himmelstein, DU; Thorne, D; Warren, E; Woolhandler, S (2009). "Medical bankruptcy in the United States, 2007: Results of a national study". The American Journal of Medicine 122 (8): 741–6. DOI:10.1016/j.amjmed.2009.04.012. PMID 19501347. 

Books

• As We Forgive Our Debtors: Bankruptcy and Consumer Credit in America. Oxford University Press. 1989. ISBN 978-0-19-505578-8.  (with Teresa A. Sullivan and Jay Westbrook)
• The Fragile Middle Class: Americans in Debt. Yale University Press. 2001. ISBN 978-0-300-09171-7.  (with Teresa A. Sullivan and Jay Westbrook)
• The Two-Income Trap: Why Middle-Class Parents are Going Broke. Basic Books. 2004. ISBN 978-0-465-09090-7.  (with Amelia Warren Tyagi)
• All Your Worth: The Ultimate Lifetime Money Plan. Simon and Schuster. 2006. ISBN 978-0-7432-6988-9.  (with Amelia Warren Tyagi)
• Casenote Legal Briefs: Commercial Law. Aspen Publishers. 2006. ISBN 978-0-7355-5827-4.  (with Lynn M. LoPucki, Daniel Keating, Ronald Mann, and Normal Goldenberg)
• The Law of Debtors and Creditors: Text, Cases, and Problems (6th ed.). Aspen Publishers. 2008. ISBN 978-0-7355-7626-1.  (with Jay Westbrook)
• Chapter 11: Reorganizing American Businesses (Essentials). Aspen Publishers. 2008. ISBN 978-0-7355-7654-4. 
• Secured Credit: A Systems Approach. Wolters Kluwer. 2008. ISBN 978-0-7355-7649-0.  (with Lynn M. LoPucki)

See also[link]

Biography portal

• Social class in the United States

Notes[link]

References[link]

External links[link]

• Elizabeth Warren U.S. Senate campaign website
• Elizabeth Warren at Harvard Law School
  • Bibliography
• Biography at WhoRunsGov.com at The Washington Post
• Biography, voting record, and interest group ratings at Project Vote Smart
• Issue positions and quotes at On the Issues
• Campaign finance reports and data at the Federal Election Commission
• Appearances on C-SPAN programs
• Appearances on Charlie Rose
• Appearances at the Internet Movie Database
• Collected news and commentary at The New York Times
• Works by or about Elizabeth Warren in libraries (WorldCat catalog)
• Elizabeth Warren collected news and commentary at Salon.com
• Financial information at OpenSecrets.org

Interviews and articles

• Generation, Gap, and interview with Elizabeth Warrn in Guernica Magazine
• Elizabeth Warren: a tough sheriff in finance's Wild West, The Daily Telegraph
• Warren Winning Means You Won't Sell It If You Can't Explain It, Bloomberg
• In fight over credit rules, she wields a plan, Boston Globe
• "The TARP Queen: Why we should all bow before Elizabeth Warren (even if you've never heard of her)". Slate. Archived from the original on April 27, 2009. http://web.archive.org/web/20090427081845/http://www.thebigmoney.com/articles/judgments/2009/04/23/elizabeth-warren-my-hero. 
• Bank Buster, Mother Jones
• The Debt Crusader: Inspired by Dr. Phil, Harvard's Elizabeth Warren has gone to D.C. to change the way America borrows, Newsweek
• Elizabeth Warren on the Economy, NOW on PBS
• Video: Elizabeth Warren, New Yorker, Nov. 16, 2009
• Interview with Yahoo! Finance, Oct. 16, 2009
• Voices of Power Video: Elizabeth Warren, Washington Post, Oct. 8, 2009
• Interview with Elizabeth Warren from Frontline
• Elizabeth Warren on NPR link to full interview for show of May 8, 2009
• UCTV programs with Elizabeth Warren
  • The Coming Collapse of the Middle Class: Higher Risks, Lower Rewards, and a Shrinking Safety Net
  • Conversations with History: Law, Politics, and the Coming Collapse of the Middle Class with Elizabeth Warren
• Warren says Consumer Financial Protection Bureau is Obama's "Strongest Financial Reform" – video report by Democracy Now!

Middle Class Rut, also known as MC Rut, is an American alternative rock band duo consisting of vocalist/guitarist Zack Lopez and vocalist/drummer Sean Stockham. They were formed in Sacramento, California in December 2006. After several EP's, in 2010 they released their first full-length LP, No Name No Color.

Biography[link]

Middle Class Rut was formed after the dissolution of Lopez and Stockham's previous band, Leisure, which was signed to Dreamworks Records in 2000 when Lopez and Stockham were in their teens. Leisure came to an end in 2003 and, after taking a hiatus from performing, Lopez and Stockham came together again to form Middle Class Rut.

The band played its first major national tour in the fall of 2007 with Receiving End Of Sirens and Envy On The Coast. Alternative Press reviewed MC Rut's live performance, saying “…it’s mind-blowing to witness the sheer depth and complexity of the sound these two guys are capable of unleashing on their own…but once the novelty subsides, you’re left with incendiary post-rock with visible traces of ‘90s alternative.”^[1] The Sacramento Bee, in a major feature this past spring, declared that “Middle Class Rut gives an intense spin to the adage that 'less is more.'”^[2] The band toured with Burning Brides during July 2008 and 3 during October 2008.

In late 2007 Sacramento alternative rock station KWOD 106.5 FM (defunct) featured Middle Class Rut's "New Low" as part of its on-air local band feature. KWOD DJ/Music Director Andy Hawk received the submission direct from the band and KWOD DJ Rubin played "New Low" later that day. "New Low" reacted immediately and was quickly added to regular rotation. The song became one of the most requested of the year and KWOD developed a relationship with the band. At the end of 2008, "New Low" was voted top song of the year by KWOD listeners in an on-line poll conducted by the station. Throughout 2008, Zack and Sean did numerous live interviews with KWOD DJs Rubin and Andy Hawk to promote local MC Rut shows. KWOD's parent company flipped the station's format in mid-2009 to an all 90s format. During a local show after the flip, Middle Class Rut singer/guitarist Zack Lopez made mention of it saying "there's been a death in Sacramento. KWOD 106.5 gave us and a lot of good local bands a chance to be heard by a much bigger audience than we could ever get on our own. So thank you KWOD, we'll miss you." ^[3]

San Francisco alternative rock station Live 105 (KITS FM), Merced, CA radio station KBRE on 92.5, and San Diego alternative rock station 91X also played "New Low."

The band released two self-titled EPs, referred to as the Red EP and the Blue EP due to their respective colors, in early 2008, as well as a limited-edition 7" in the UK on November 24, 2008 which featured "Busy Bein' Born" and "All Walks of Life."^[4]

In September 2008, the band came to the attention of BBC Radio 1 DJ, Zane Lowe, who then featured their song, "Busy Bein' Born," as his Single of the Week during the week of October 20, 2008. In November 2008, the band was profiled in the Radar section of NME magazine, which described them as "...epic noise alchemists...,"^[5] and played a five-stop tour in London, England for the first time. On November 19, 2008 the band recorded a live session for BBC One in Studio Four of the BBC's Maida Vale Studios. After this tour, Kerrang! magazine wrote in its December 12, 2008 issue, "[Their] sound is nothing short of colossal, and one that a mere two-piece shouldn't be able to create, combining the boisterous swagger and pomp of Jane's Addiction and the feral fury of Rage Against the Machine.",^[6] and Rocksound's December 2008 Christmas issue pegged them as "Ones to Watch," saying, "Their debut double A-side single 'Busy Bein' Born'/'All Walks of Life' is a breath of fresh air in the midst of the musical stench that emo is now emitting."^[7]

On March 10, 2009, Zane Lowe of Radio 1 debuted a new song called 'I Guess You Could Say' and named it as his Hottest Record in the World. The song is featured on the EP, 25 Years.^[8]

On May 1, 2009, Middle Class Rut performed at the 2009 Road Recovery Benefit show at the Nokia Theatre in New York.

During a concert in Cesar Chavez Park in Sacramento,CA on June 19, 2009, lead singer Zack Lopez announced that Middle Class Rut would be releasing their debut album for which they had recently been recording new material. Lopez did not announce a release date.

Outside a concert in Montreal, QC on March 17, 2010, Zack said the new album was going to be out hopefully next summer.

Middle Class Rut opened for Social Distortion at the end of 2009, and Alice In Chains for the second half of their 2010 tour. They also opened for Them Crooked Vultures in Los Angeles, CA on April 14, 2010 and Las Vegas, Nevada on April 17, 2010.

On October 4, 2010, Middle Class Rut released their full length album, No Name No Color in the United States and November 22, 2010 in the UK.

On October 30, 2010, Middle Class Rut opened for Chevelle's 2nd night of the 10 Year Anniversary show at the Metro in Chicago, IL. Chevelle singer and guitarist Pete Loeffler is an avid fan of Middle Class Rut.

On December 17, 2010, Middle Class Rut opened "The Night 89x Stole Christmas" show featuring Middle Class Rut, Sick Puppies and My Chemical Romance at the Fillmore in Detroit, MI.

In February, 2011, Middle Class Rut opened for 30 Seconds to Mars at the Main Street Armory in Rochester, NY.

On May 21, 2011, Middle Class Rut opened "DC101 Chili Cook-Off" featuring Middle Class Rut, Paper Tongues, Neon Trees, Panic! at the Disco, Papa Roach, Seether and Weezer at RFK Stadium grounds in Washington, D.C.

Starting February 2012, Middle Class Rut will co-headline tour the United States with Chevelle and Janus.

Discography[link]

Studio albums[link]

Extended plays[link]

Singles[link]

References[link]

http://www.roadrecovery.com/newsarchive.html#may2009

External links[link]

• Middle Class Rut Official Page
• Middle Class Rut at Bright Antenna
• Middle Class Rut on Myspace
• "Busy Bein' Born" YouTube Video
• October 20, 2008: "Busy Bein' Born" as Zane Lowe's Single of the Week on BBC Radio1