We're having a rough time this week, and likely for several weeks or longer as Paul's mom died last Thursday.  She made it to 90, and thanks to her LTC plan she was able to live at home with help until the last month or so.  Don't know how long this funk will last, but my goal is to be back to answering your questions next week.  Thank you for listening and for your commitment to learn how to protect your family through an extended care need.