In addition, vitamin D can be produced by the skin with sunlight exposure, but this ability decreases with age and varies considerably by geography, time of day or year, skin melanin content (darker skin produces less vitamin D) and sunscreen use.

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Since those in my age group were considerably too callow to lead troops into battle, it was decided at the Navy Department that we would be sent to college, where, as book-toting privates, we would gain a little learning and seasoning, and also a year or two of physical and mental growth, before our fateful collision with the Japs.

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In addition, incomes for late 20- and early 30-somethings with wife and child tend to be higher than the traditional undergraduate-age student, so the opportunity costs meaning the lost earnings are considerably higher.

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While life expectancies have grown considerably since Social Security was introduced in 1937, this was mostly due to declining mortality at a young age.

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