For more than 15 years, I’ve attempted to write pieces to elicit smiles – however faint – and/or to inspire. I believe a great majority of them have been “upbeat.” Not so with this one, which may rank “down there” with the Grinch that stole Christmas. “Grinch,” of course, is fictional; mine is backed up by cold, hard facts. Many conversations among retirees in the year 2000 included pros and cons of long-term care insurance. “After all, we don’t want to be burdens on our children,” was a comment heard time and again. My wife and I decided the pros stacked up taller ...