Among the well-to-do out there - we're talking about folks with an average discretionary income of $342,000 - optimism about the U.S. is at an all-time low. A new survey on affluence in America finds that nearly 80 percent of those sampled in April say a recession is under way, and four in five say it's due to the easy availability of debt. Nearly two-thirds of survey participants remain upbeat about their own lot, but that's down a few percentage points from December. The survey was conducted by American Express Publishing Corp. and Harrison Group.