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Single people live alone and proudly consider themselves families of one — more generous and civic-minded than so-called “greedy marrieds.” “There are really good studies showing that single people are more likely than married couples to be in touch with friends, neighbors, siblings and parents,” said Bella De Paulo, author of “Singled Out” and a visiting professor of psychology at the University of California, Santa Barbara. “There are not just more types of families and living arrangements than there used to be,” said Stephanie Coontz, author of the coming book “Intimate Revolutions,” and a social historian at Evergreen State College in Olympia, Wash.“Most people will move through several different types over the course of their lives.” At the same time, the old-fashioned family plan of stably married parents residing with their children remains a source of considerable power in America — but one that is increasingly seen as out of reach to all but the educated elite. “It’s the backbone of how we live,” said David Anderson, 52, an insurance claims adjuster from Chicago.Also démodé is the old debate over whether mothers of dependent children should work outside the home.

They love crossword puzzles, football, going to museums and reading five or six books at a time.

Factor in four years of college and maybe graduate school, or a parentally subsidized internship with the local theater company, and say hello to your million-dollar bundle of oh joy.

As steep as the fertility decline has been, the marriage rate has fallen more sharply, particularly among young women, who do most of the nation’s childbearing.

As a result, 41 percent of babies are now born out of wedlock, a fourfold increase since 1970.

The trend is not demographically uniform, instead tracking the nation’s widening gap in income and opportunity.

Nor are unmarried mothers typically in their teens; contrary to all the talk of an epidemic of teenage motherhood, the birthrate among adolescent girls has dropped by nearly half since 1991 and last year hit an all-time low, a public health triumph that experts attribute to better sex education and birth-control methods.

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