Filipino expatriates and migrants worldwide remit over $25 billion yearly to relatives back home, a sum that forms a minor percentage of their total dollar incomes. Filipino BPO (business process outsourcing) employees' salaries are expected to top the sum in the near future. Combined with incomes of corporate employees and small entrepreneurs, middle class Filipino incomes come up to trillions of pesos yearly. The major percentage of the country's P10 trillion or so bank deposits comprise savings and time deposits (loans to banks) mostly owned by employee masses and expatriate dependents. Yet only a tiny percentage of said earning masses hold certificates of stock in large corporations, compared to some 60% of US employee masses. Additionally, there are only 250 or so companies in the local stock market that are open for public investments. Furthermore, only a handful of investment houses actively promote corporate investments that target employee masses despite s