across generations signal family decline. The rise of mother-only families bodes ill for economic prospects of the swelling second generation.

There are clear signs of educational progress at all levels both over time and across generations. That other groups also have improved their educational standing has widened attainment gaps, particularly at the college level. Because the fastest-growing and best-paying jobs now require at least some postsecondary education, Hispanics stand to lose economic ground even as their educational attainment rises. Still, employment and earnings trends show clear evidence of economic assimilation, with the greatest gains between the first and second generation. If the most successful third-generation Hispanics “opt out” of Hispanic identity, as available data suggest, economic progress for the third and later generations may well be understated.

Trends in Hispanic home ownership and median household income signal a growing middle class, although the dollar growth of Hispanic household assets is small compared with that recorded by white households.100 Variation in financial status by immigrant and citizenship status, by age (favoring middle-aged over young householders) and especially by earnings capacity and educational attainment, largely explains the significant gap in economic well-being between Hispanics and whites. As long as this gap persists, however, Hispanics will remain more vulnerable to economic cycles because they have less of a cushion on which to draw during periods of financial distress.

Finally, recent health trends paint the picture of a Hispanic population burdened by the complications of obesity, diabetes, hypertension, and cardiovascular disease, which Americanization appears to worsen rather than improve. The deleterious effects of acculturation are especially evident among second-generation youths and in birth outcomes. Most striking is the high incidence of type 2 diabetes—usually a disease of adults—among young Hispanics and the increased prevalence of multiple risk factors for developing atherosclerosis among children of Mexican origin.101 These trends foreshadow much higher rates of diabetes and its complications in the future, as large cohorts of Hispanic youths become adults.

The growing number of uninsured Hispanics will place particular stress on the health care safety net—a loosely organized system for delivering care to the uninsured that includes nonprofit organizations, government agencies, and individual providers. By default, some of the responsibility for health care delivery will shift to states and local communities, many of which are already struggling to compensate for shortfalls created by declin-



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