By The Associated Press Americans 45 and older are far more open to sex outside of marriage than they were 10 years ago, but they're engaging in sex less often and with less satisfaction, according to a major new survey. What's the problem? Financial stress is a prime culprit, said sociologist Pepper Schwartz, the sex and relationship expert for the American Association of Retired People, which conducted the study. "The economy has had an impact on these people," she said.