How to Die in Dignity Without Leaving Your Spouse to Starve
By Dennis Miller
We’d all been waiting for the big day, but the chapel the ceremony took place in was very small—just a room with Christian symbols and a few chairs. My wife Jo’s father was waiting for us in his hospital bed, grinning from ear to ear. Despite the feeding tube, he still managed to devour a few bites of our wedding cake. Parkinson’s is a powerful disease; it can take the sturdiest tree in the forest and wilt it like an aging rose.
Yes, Jo and I got married in a nursing home chapel. Little did we know that we would spend the better part of the first 18 years of our marriage dealing with nursing homes and assisted-living facilities for both sets of parents.
Constant care is expensive. Jo’s father didn’t have long-term care insurance, and in 1988 his care cost close to $3,000 per month. Fortunately, he and my mother-in-law had the money to pay for it.
It’s frightening to imagine a time when you can no longer bathe, dress, eat, transport yourself, or hold your bladder and bowels. In insurance-speak, those are called “activities of daily living” (ADLs). Mercifully, not everyone reaches that point. However, two out of three Americans over age 65 will need some form of long-term care during their lifetime. That might mean home health care or moving to an assisted-living facility or a nursing home. Regardless, it’s pricey.
Nationwide, the average cost of a single-occupancy room in a nursing home is $6,653 per month. Home care averages $3,432 per month; assisted living, $3,300; and adult day care (which sounds just awful), $1,322.
Years of paying those costs can spell financial ruin for an aging couple—the surviving spouse in particular. My aunt spent close to 10 years in a nursing home with Alzheimer’s disease before she passed away. Her long stint is not at all unusual. While most patients live an average of 4-8 years after an Alzheimer’s diagnosis, many live as long as 20.
Medicaid Is Not the Solution
While Medicaid will usually pick up the tab for lower-income people, the income and asset limits to qualify are quite stringent. While the rules vary from state to state, a helpful rule of thumb is that an individual must make less than 300% of the Supplemental Security Income limit, or $2,130 in 2013, and have less than $2,000 in countable assets to qualify. Although your home (up to a certain amount of equity) is not normally a countable asset, many if not most of our readers don’t fall in this camp.
After a recent chat on long-term care insurance with fellow financial authority David Holland on his radio show, David mentioned that anyone choosing to self-insure should have at least $2 million in liquid assets. I agree, but even then, it’s risky. One of my biggest fears is needing long-term care, having the ability to pay for it, depleting our assets, and leaving Jo flat broke.
So where does that leave people unlikely to qualify for Medicaid but unable or unwilling to self-insure? Long-term care insurance, of course.
Opt for the 180-Day Elimination Period
Buying any type of insurance means transferring some type of personal risk to an insurance carrier. Clearly defining the risk you want to transfer and then tailoring a policy to best accomplish that goal is critical to getting the best value.
David Holland generously shared some quotes to help illustrate this point. While there are countless long-term care options available today, we’re going to keep this example simple.
Mary Sample is age 65. She wants a policy paying $150 in daily coverage with some inflation protection.
| Benefit Selection | Quotation 1 | Quotation 2 | Quotation 3 |
| Name | Mary Sample | Mary Sample | Mary Sample |
| Age | 65 | 65 | 65 |
| Risk Class | Preferred | Preferred | Preferred |
| Benefit Amount | $150* daily | $200* daily | $170* daily |
| Benefit Period | 3 years | 3 years | 6 years |
| Policy Limit | $164,250 | $219,000 | $372,300 |
| Elimination Period | 30 days | 180 days | 180 days |
| Inflation Option | 5% compounded | 5% compounded | 5% compounded |
| Home Care Benefit | $4,500 | $6,000 | $5,100 |
| Total Premium | $6,415.20 | $6,415.20 | $6,375.51 |
| *Subject to inflation increase | |||
Many advisors would recommend the first policy with the 30-day elimination period, because you might not require care for long periods of time. The 180-day elimination period means you pay for an additional 150 days out of pocket before the insurance company kicks in. The additional cost is $22,500 (150 days x $150/day), and many argue it’s a poor investment because the probability of needing care for three years or longer is small.
On the other hand, the 180-day elimination period (quotes #2 and #3) gives you a lot more coverage for the same premium. In effect, #2 and #3 cost $22,500 more out of pocket in exchange for $54,750 or $208,050 in additional coverage.
The only way to turn the policy premium and additional out-of-pocket costs into a good investment is to require expensive, long-term care. Most of us would prefer to never have to collect a dime. Families with a member requiring years of expensive care would tell you it was one of the best investments they ever made. But insurance is not an investment; it’s a transfer of risk.
The Risk of Leaving Your Spouse Penniless
If a couple has enough assets to be ineligible for Medicaid coverage, a week or two in a nursing home is not the risk they should be transferring. That’s a big nuisance, not a catastrophe. The risk they should transfer is financial ruin for the surviving spouse—in other words, 90 or 180-plus days of care.
Paying insurance premiums for short waiting periods is like buying a $100 deductible on your car instead of a $500 deductible. If you have an accident, you have to make up that gap out of pocket. Your insurance dollars are better spent insuring against the catastrophe, not avoiding the deductible.
Today, Jo and I would opt for door #3. I have two policies: one with a 90-day waiting period and the other, 180 days. I would not recommend anything less than 90 days.
My primary concern is leaving Jo with enough assets to live comfortably for the rest of her life, which could easily be 20-plus years. Paying for 90 days of care would not undo that.
Family Is Not Always the Answer
Why have long-term care insurance? To make sure you have enough money for the best care right until the end without depleting all of your assets. Whether your final days are at home, in an assisted-living facility, or in a nursing home is secondary. If you can pay for the most appropriate care, that decision will be based on your health and comfort, not your wallet. Many advocates of long-term care insurance actually call it “avoid nursing home insurance” because it helps pay for in-home care.
Jo’s parents never thought about nursing home insurance. They could tell you every detail about their fire insurance, auto insurance, or crop insurance, but long-term care insurance was not part of their world. Without realizing it, they were committed to self-insuring.
When Jo’s mom died, she was in an assisted-living facility and able to do some of her ADLs, but not all. Which reminds me—assisting with three of the ADLs requires caregivers to do heavy lifting. Don’t make the mistake of thinking a family member, particularly an aging spouse, will be able to do the job even if he or she is willing.
We have a dear friend whose husband is nearing the end. She asked Jo to look at nursing homes with her since soon she’ll be unable to care for her husband without around-the-clock help, which can be more expensive than a nursing home. They have some tough financial and emotional decisions ahead. No one wants to feel they’ve let their spouse down at the end, but logically she knows he’ll receive better care than they can afford at home.
No, I Do Not Sell Insurance
There is a reason they call it “long-term care insurance” and not “short-term.” The exorbitant cost of health care over the long haul can wipe out a nest egg and leave a family penniless.
After publishing a recent missive on annuities in my regular weekly column, several subscribers noted it was the first time they’d read anything on the topic not written by an annuity salesman—and I don’t sell long-term care insurance either. That’s because the mandate of Miller’s Money Weekly is education—education to help you retire rich and stay that way. We advocate for your financial health and equip conservative investors with cutting-edge tools for living a prosperous retirement. Sign up to receive Miller’s Money Weekly every Thursday at no cost by clicking here.
Sleeping pills and some good expensive vodka. Problem solved.
Get a government job or become a politician: problem solved.
I think the eskimos got it right.
I think this article makes excellent points.
PJ, you are getting so cynical. I’m worried about you.
My own best way to provide for my surviving spouse would be to drop dead shortly before I turn 65, while my term life is still all in effect. That is not a joke, and it bothers me to admit that it’s the truth.
Eddie, here I was thinking sleeping pills & vodka around age 80, and YOU are talking about dropping dead before 65? Now who’s cynical?
I’m not cynical, I’m just realistic.
We’re used to the idea that people are entitled to spend the last 6 months to a year of their lives soaking up more medical care, in terms of dollars, than they heave earned in their entire lives. That’s just not going to continue, and I wouldn’t want it to anyway.
The truth is our bodies wear out after a while. I’m okay with that. What other choice do I have?
Any way you slice it, getting old sucks.
Honestly, I’ve always thought I’d live to be an old man and die in my sleep. And if I’m wrong about number one,I hope I’m at least right about number two. Long term elder sick care is a depressing subject. Close your eyes and think about the smell in a nursing home. Yeah, you know that smell. We all do.
My mother went there, my father did not. I”m convinced that it had something to do with the sheer power of his will to live and take care of her for as long as he could.
Cancer got him, but I am convinced that he negotiated his terms of surrender, and that he made himself live until what he considered his responsibilities to be met. Then he let go, and he was gone in a week. The older i get the more I understand how he must have felt, and the more I admire his grit. . I can only hope to be half the man he was.
Have to agree with Pirate Jo and Tommy… who are saying almost the same thing. The current norm of spending months as a near-vegetable in a nursing home, draining your and taxpayer assets while doing nothing of use to yourself or anyone else, all while long past your life expectancy, just has no appeal.
@PJ: The more you reveal yourself the more i find myself loving you. (or at least admiring you – significantly).
Many years ago (about 1995) I developed adult onset Leukemia —- totally undiagnosed for the next 6 years. High white blood count, no fever, extreme pain in the upper left quadrant of the abdomen (spells “Spleen”). They proscribed high power pain pills (morphine, dilauded et all) which dulled the pain and addicted me to the narcotics. Needless to say, I then went through 4 more years (disease mis-diagnost) hooked on narcotics, mental unstable, subject to terrible depression and absolute misery.
In 2001, the spleen had swollen (as it should have) by filtering immature White “b” blood cells ( which leukemia causes the bone marrow to put out!) to the point it blocked the large intestine (i.e large bowel — which you DO NOT WANT TO HAPPEN!!). Pain city and trip to the hospital.
So, many years after it should have been diagnosed, the Dr.’s finally figured out that I had leukemia. Several fuck-head surgeons wanted to just just cut it out and toss it in the trash. I did some research and discovered that the spleen was an essential component of the immune system, so I declined under considerable pressure. (I still have the spleen!)
So for the next 6 years I got radiation treatments on the spleen (by one of the very best radiational physician in the country) to keep it under control. Worked great.
Until it didn’t.
Things got more aggressive and the leukemia morphed into lymphoma (so far below the diaphragm) that required more than radiation.
So I began a 14 month chemotherapy series that almost cured me to death. After 14 months of the most miserable experience of my life (if my wife wasn’t around, I Iliterally slid out of bed and crawled to the bathroom!) Done with that (I called it “Cured almost to Death!),I had the Doc put me on 12 weeks of Cardio-rehab.. Finished that, went to the local gym, signed up and am now 6 months into a home-grown routine of physical rehabilitation and feel better than I did before the damned cancer was diagnosed.
Of course I was lucky. I won the genetic dice throw, and had the CD 20/21 marker on my white blood cells to be able to take a monoclonal antibody drug called Rituxan. That, in turned, went in and killed all the “B” white blood cells (good and bad) without poisoning any other cells! That knocked my immune system down for two days (I don’t go to Walmart) and then I’m fine.
How long this will last, I have no clue. I’m on a two year trial of Rituxan every two months and when I ask the oncologist what the outlook is after two years he pulls a chin look and says, “Ask me again in two years and we’ll have more information.”
Luckily, the Florida Waterman Cancer and Research Center is a quality, highly connected treatment center and since they’ve been keeping me kicking for the last decade, I have the upmost confidence in the people there.
BUT – BIG BUT: When things fall apart (as they inevitably will – whether a year or 10 years from now) I will never be a patient in a nursing home or take advantage of the 60 day dying period awarded by Medicare where one lies in the hospital, doped up to the gills, developing bed sores and wishing someone would just kill you (which my Mother did – and let me know about it).
I have the where-with-all, the knowledge and the capability to choose my own exit, when, where and how I wish and will so exercise it when the time comes. Medicare will not be troubled by spending 80% of my Medicare budget just to see that I manage to live miserably or unconscious for the last 60 days of life.
Anyone who does hasn’t thought it through.
MA
I’m doing a temp job that involves indexing legal documents filed in a small ruralish county. There are many where the state has sued people’s estates after they died to recover the Medicaid that was spent on them. This is LEGAL in many places.
Muck, I am glad you are doing better, and thanks for providing an update – I knew you were having some health issues and wondered how you were doing.
And I like your little red boots! 🙂
By the way, I threw out the age “80” based on my own family’s medical history. A nice old guy commented here the other day that he is turning 80 and is obviously doing quite well. That hasn’t been the case for people in my family. In my family, the brains turn to mush first. Alzheimers, or severe dementia. In the case of both of my grandmas, that led in each case to a decade living, as Persnickety described, “as a near-vegetable in a nursing home.” A decade! I don’t care how good the drugs are, no way am I doing that.
In the case of my paternal grandmother, it was also as KaD described. Since Title 19 was paying for everything, after my uncle passed away his entire life savings went toward paying back the government. All those taxes her kids and grandkids were paying still weren’t enough, apparently.
@MA, that’s quite a saga you described. I lost both in-laws to cancer (father-in-law at age 71 to bladder cancer and his wife at age 61 to breast cancer). Should it happen to me, I’ll try the alternative treatment route:
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RZw2B1OPDNcjMjt2cZYk9xqrFLcXF0DfWeb3l8+7jGEde4EdxH1VeWEggjIPoqbSXJuKtEsWmSOpd8AAZOcgj6KrSpbo2F52A64Oas8kjAgsx8d6heC3ziR0B9LYrGquWa0sbEo7YFeYL4N16UqmUxZASRGPgGzSqc3bBnMbn11JHyKDzIGz491Qc4DsCTgHuqdZYRtufX3VV3Q9jpUuw5FUHwxU/k8Ma4eXz/ACo+0UkcibCpJHjaMYjyR3GptsK+CIIrMwwfN7yKf2A8K6JIygyjZ7x3VIsgkbGW2GBzUm2aRD2APdS7AeFWs/cyowMnqBvTkKqd1zWdTNV/BT7AeFNa3J2Cg+kmrrksByqq4+mmr6SD6qNbCin5NjYgH1CueSj+bVuS4toVJllVfbQ6fWoY9okL92TsM1uOuXCMylCPLJvJR4UvJB/NoNc67csuUIjz05V+NKDia4QBZYlk9PQ1btZaI9/HYZ8kB7q75IPD6KFPxO5Q8tusZHexz9FC7nU7q4PLLO5z/J7vdRHFkfOwS6jGuNzSFbdDgyxg+BYCq8t9YRNgyhj/RGaz4jIbDtg/zR19tOWMDmBTJG4FVWH5ZB9V8INfZWwHTnPqWnx6npz7GQp/WU1m5MA55vWOmKYJBv1xWuwhLqZGtlvbCBAxmV89AnnGok1jTmI5iyf1kP7qzcas4LIDy+J2pKkj55V2FScMS2cjT6iXwatdR052C+Upv45A99WA1sRkSx48eYVi2ITYkE+Ap6KZFzysPXtUprEleoa6p/BsTJbAE9tHsM7MDQ+41TDFLZA39I1nJ7yGwQds2QT81arz8QKkqxQw/OG2e//DauVuUn48GMnWLjg0Et05H3V8n17VW8oDyFAw5h1APSsxf3l7cSp5ygHYBXHj3VbsIb9NUeWaA8jrgMGH070o44R3bON55TdI0Vgf8ALk8Tn6jSrunq3lqMegz9RpVtST4O/Amo7j5rwpcOjMq4Yj6fXTDfBSMSqc+r40A1Ww7O+uJJWRRJK7DzhnGT3ZzQ9Uts7t18BXrRxRaR5E/xDJGTVGv+yrqSFZD4HFOGszAbMpPqoFZ6bp9yoAuoVY/z5GX/ANFEk4f06GNnluLSRsebH5X19uBisuGP2Vj1maSv/pdGvyqPmIaavE0inz4UYeg4rPt9jckiwlH5Xp9FSW99p1vhW0WOZQcks55jR2IVdGF+JTvk0J4nGPNt9/S9V24huZdhIiA7YVd/fVrT4eE9UtuaSCKzf+Ukj8pB9BzuKF36aTbXjQ2ltb3MQAIkaTHsqcYY7rSXn1eVR1OSoTXrlgTM23pzmoprxWxiTb0nc0wyWw+Zp1jn+lJnH00+1InkML2lqI3+d2YUHHrJq1JLg5vq5SdEZuk5cFs+tqa9zzEfdFJ7vOAp+pWGm2UqGK7ILAnkASTlx3HBxVu0t0vY1hgv7ZS25PkxDfRTuKVjWfI5aWtwbNc86KrMmBsOXqahM68ww4HdtWo+wV/GAE1NCM78kJB99SpoV8VIk1V1HdgMPozWO7Fey67r/QZZCWI5FLbbYFPcXJG8EmfRGa0v2Duf5eszcvfygj99RHQVVspqTFj/ADxnPtzU5dVjXtG1jzP9BnkiuVbIgl26fczvUwt7xhzseTwB2+qtDFY2lmPOvZjjqBOcfRUz6xCgCRxF8fymOK4s3X19jR0wwfv2Mt5BIXy0gH0mrEVgq+dIebvAxii098Lj/wC2XPjVflc9EwT4VyS/EMklVh2knsyvINwM49FQvsQrMEz0BO5q6LZsFhjm7uY0LuNFu7idJnvI4yqkADLfCoQzRvd0YnGVbKxPd2kBGGBLDIIwc1G2pRtGSAQfDI3qJuGCCWbUQfQIv/8AVR/YOC3V+0vmPMMfNA5fTVNeL5tkdOX2kkKK6sb2RWmVWKsFXO+T/Bom9pHBA7LEDgEgAY7qCR2WlWAR5Ll5jFumSAVOeoxVy41/lSQJz86DcMNh7qMkpOlDgUFFJ6zNXmoFrxgu7FsDbv8AVVp73UJowWEhVcKVK9MDY0T0jQn1m6MttaLGA2ZZRuBnuHTej66TpsWj3X3I9pb8wBY5IbPX6a7Ix1R2XBiPTuf9Abhdbo6ravI68hDebnf5ppVFwzIx4igySM8w5Sd88pO4pViB29LFRg0vk9Ad57yNYH0hJIhle0mZeXA78de6stcw6RFe3EEyCJ0bHmMeX2bVLe6rqb3Mlut3JHHHIwXlwu2cYyN6CraXU0zMqPIXbJYjJJ9Nepii17PJ6rMpOoxtl60ttGug3bXEtswO3Mw3+iisXCtrOpEN8pcnbPh6qF2/D98QGPKnr60QtNGzL2k10Byk7L349NGTLGPMzGHHJ7Sx/wDAhHwRByAvcEnv5dhUb8GWYYg3TLjfAffHup9te2cd2LZQys78mM539fwolE1vMOeMKwUkZUZ+muePUOXEj0I9Nha+1AVeGLCObzppXTuAH058K6nC9q03MsjGPOOU/EUd5o1GeUDfwpdt4Ln2Vp5p/JtdLi/aijHw3poTzrUE+knP11KeGNNdQvZKp9BzVoXGM5BA/q1E2pQqT5xJHXJqM87jyyywYV6RV+wulROCbOSRV25mG3uq/DHapkQRInL1GMEVVbVlx5oTPpaht3eXMz+bKoBHQf4VySzZZLb/AGVXYx7pBp762jzm45iO4VQn1jIPZx+gE0HDXAO6Ix9BrrTOi+fA+f6ODXDkXUPlB9RF8FiW6mlyWZjnuqvknvpnlTYyI39ophvuXIMbjHoqHbye0zDyRb5JlG4B5vdTUnhZ2VJFYqcMAehrG8barexacklsXSLn5ZNj39P31muDLyVdZ7Us3IFPOd98g9fbXRHpm4anyViouOo9Z8owBgY9Rpr3jHGDQtNQik35191SeURnp9FR7VcojrT4LrXbDO5IqNr0AFi2B6qpvKQM9oAPTQx9TaUsiMOTl84kYwMVSOLUYnkov3OoyyIxV+zjwTznoR40Ou5U5TATJI3LlirfN8dj6qoS3cyzyupX7ng8rZPu3xU2nP5UJXZObmHzm7h1xXXHGo8HL5ydsngt4IXR4Y5J5BhQW3GR3gd3+Nb7R+HdN06wW+1KFJ5mwyo6jCeGB40C0nTvKr5CTlF3wOnuonxBfO86wI2FjH7q7MeL2zqx468pEd/xPcidzbgRoueVU2AAqNY57vRLjqWkYc5PvNAo5C14kO2SwHTrWm4nlEVpHEnmg8uQvfiuh0olr9sz2h2EdrxLC/bo7EueXByCVbOPppVzQhGOJYApctlySenzD/HtpVxQdoWGSkm18noS6XbSxpLMA2RnzjnHvrrRafCCWZdvTTFtg6hmYnI6VlOINdghnktrduYIeRhnqe/+PRWZ55LhFZwhBWO1riZ4rloLSVEjBwpC/O9J9FB7nVpYQJLi4JHLkZIJ3qisj3TmVhKqZwFJxj29/uqrI1rBcNK8azDIHnHYE9fQK535O5Hnyk2w7FexXSEyxMGAxzYIz4beNWreeKI9pbvMvKdgjdN98A+NZyXUQ1wkCMjEtzMgYnqO8ZqS01l42ljUGOPqMrgA5OTmpPHL9OwJ0ehW2q25gj8oDyTAYYqBv7M7VJLqydnywxMCf521YE688d20UStJkfPQ5VD4Zo/p96L2HJbDqcEVLLLLFW2dkMzaouyyyynLyFvbtTCD/OFNKjoTXML0Oa5G2+Rt2dIFN5ARjb3U4ZpYJIxQmxFDUrqPTLNrmRiTnCAnbPpoNpfFb398LS4aNcnCMgwfDFT8Z29ylqjZJ5VYdmzYx0PT0461htKWQ6knPgFWBTkAwD4V6mKEu3u2dsMePRTXJ6sI2HWUn1iuiFpG5RgnuAFdjJaFGJySoO1DdcvzZWBWNyrykLt4d/1VjppZ8uVY9R508cI+ivxC1gLGa0naOd5VAKgghcHO5FZzQkttNuHKRxosmxx1qvc3LO5zufTUAmwN6+gWKEdnuNRejT6NmqW0+7LzKe+M5pjafBn7lIy59NZ3R9Q7DU4mL/cywD5O2Dtv7K3MtpDIuVXf0V5/VZY4JpSVpnHLpH+l0BHsJSeXyrmHccVBJozsGBlBLbUUeCSInzSQafaSosoLjpnPNitYnhyRuJyS7uOVSZnIeHJu0aKBWaSQBcEnfp7O6tbpPB+pC0ijnWOPswAFIz7cDbNGLC7tooyAqDHU/wAo/CjCavBGq4PMT7qaxpO7PSxVVyZV0/Q5LJGGCzEAZoDqmi3gupZ2xygVpJuIlywjUY7sdTVRNSgkjY3Ctzd2Dt6qsmyryQ4sxmk2Uja3EZVOOfmJIx0qTijV4rm9VIG5kj7+40a1DWtMUSdjCBII2U8sgyCQR4ViLm2gMOfKOVwSWjJwT+6ufNlX2ohkybUmE+Hb0z8Q2yBcKwcjJ3+aff8A4Uqr8ItCmuW6IMF+fbOduU0qnj4LdLWh18npAv7WNApnUsowQu+DWJ4g0VdRvH8jPLE55iC2N6Ze3CrqFwOYgiV+/wDpGuxXOCTG7cx6+FcU5TvYxPqHLZoonh/UIIAsTLJ5hXldgMA9B9VBLvSNcgjCNahUOzuCGx17hW0S5ZGClgM46mnG4ySccxA6hqwss0zFpnnEcEttMpjjC4YAl9ivs2olBqDM/nA4xv4Nj6q192lvcQI9xAjq/wA3KAk7dR349NC7jRNKudjzRb9VbA+nPhVllUuUYlGUQOt7DzEOq8rDbn2NHNFmSCViCcPuR3DpQk8LtE4Njdq0eCeWQf4VY0TTrqxvwJmbscjDFsge/wBtZyaZRdMI7SNbLc28ELyzSLHHGOZnbOFHrqpY61YamP8AIbmOU967g+41U4s06bVNBlhsnUuGDlSdmA7qwPCVreQcSR3Nz9xjtiTIXPL1B29Nc+LDCeJy9noaVps9TYydSR76ktv8+pfBVPObJ3wNz9AoNqGthExbFS22537+gFNguyLSW5md+0kbkRT3DAJ29o+mt4OmlKSsipJypFXW7qS8mlll7yetZuysiL8scchOcYo/eo5slkYEczHr3+mh1o6rPv4+6vfpSiiyk4vY12kydraMpIPZNgA+Hwz9dZzi26/ykQjI5ADgUajl8jvJMfNYuo5j1IJG/tFVtVnX7LWd12e5gRuQ74PKR781xQ/J6h5a5QnFSt3xuYqZyx5V6k+6mu2HVO81buUSKZttu4CqLL90Mj9SMACvTkwjwcsH7Uy75CsBt6q9L0vUop9Lt5JZR2nZDtM/zgMH6a800lEbVJU5fNKcx3Gcg+j11q7DMlmyiNgEYjmHzd683rtOSCi+UZyJxjrRpW1G05+Qvk75HIdts00pbTE8roxz3Gs5G8EDI2pXqxAjzUUEkek4pokEN2rR3YZlb5wyOdTvmvP+n0vxZBuVXNbGja0GMCVx4b1wLOvzbhtvEVTj1VZG5ArA+OxGN9/VtTjdqRnmz7ayp547WYrE3dFvtLlCWLhj6aoajeSoPPcczfNUUmvF7m+mheo3cZkXnfBG2M9atHJlk6bMNQS2Krr2uHZ0AB5ioJww36/CqtxckA7lgGxlwBt6PRUEjRTyghWZkH/ZncgeNTnS/KI0nZmk5+qBsYq2y5OeX8hLhaRZeLbF0A5SJOh6eY1KiWh2tpHxJZPEojdQwCKAB8xu720qrjkmtj0OkVQf9lLVhL9lrsqyFRM+AW/pdKiimkQc3nDbO1Q6pKn2bvu8+UybEdfOIqMOzAdRnIwuf476q8MZIpLpoS3QWhuGktucnmUty5Bxjv8AbsDTw6AB0uFA5jkj5w8NvZVC0kCTCNlBULgBjgY9+e7H8bTAhJwsrHIOAc5GDtgA9f8AGl2I1VB9NGq9hW2tLlb1WkY3EZycLISo+Gf46VbFpFLC5kKLIACCVyNz3dPo8aCQX0551ExTlwjMD1O/Uf41Yl1Hs4ikRXtQpA84rykgA93oPTwqkcCSotHEkt9ySS3lhuOzid5AnziV2X1b709eYY88AHvBBzQ9dWbtFj8rwOUAocHJz3bZPWmtI8MjciiN2XomO/0e3v8ACo/TwfJHsRLl1qqW8Zt44o2ZlOWkGe8dB0oFEltbXDXAgRmcHmVs4Ps7vZTY5JbieVpU5Sh5Dg5BOeo+ilL5zSL4Y3rtjjgo7IWmvEvtbJfW6yQycpYY5M8oznNR20MtsvZtG9wY3y/ZsMZPhk+GKjsPKo4girGys57NlbIGB/HdV605gZFkYM7sWZRgjPjnvrgSnFvTwNYnFOXv0V9Xv/J9ItIZInWVUJk3B3yfTWeXV0hlDdmW33BOKL8SN90WJmJURjzD6SPjWW5Q+Oh55CM+AFdkZNRRmL23N215c6hYo8Nn5pbmDmUEgYAIxjfpnOe+q1/dmee2LI3KgKlz3HJ22Oe+o9Gu5Le0SOPzu/A2z12+qppNJvb2cdihXJ5iuMY/g1wzyedS4KYblqgwNqaCO6cbnBO5oe5qjqd9fQ300MkuWjcqTgb4NU/KLxyHaV1BGVIHUZx9Yr0pST4HFUqNBYnlvFY7bYyT/HfijljHqF3G66fGZYy4JbIxnFYzTWuLjVLW1kuH5ZpkRiO5SQDXoelXsOjac1vbBnu5JWJixvz9MD3D6a4OplpapbnRjwrLFpgDXlZtQl7R1LKvKMegAfup+n6fcaxBHHayoZIcqWfY8pOfjUHEflMl4JpYiJMFXC7crDapuD53j1ZBIQpJ5fNO+D41KWqCtD0Qn4PgIxcI6iG8+6iA2wwJq8ug3wUc9wh6bqpya0L3MaNh2Ckd/h681H5dEGJ51O+5DVxyzZJcsT6Pplyv/QI2gXHRroDbvqB+HJ+fz7iNQPEnf3UX+yFtcSOiu3PGPOBU499VnvkeMu8oQnPIcb9+/orKy5b2PNy4cKlUY/7GCxtrQkQxIQ4wzEk4Ht3oNeyiC4Tye5mjQLlgqZGctk+rGM1zUdWis4OzOW5lPIWbfqN/RWft9Vc3IJXBGyY2K+o/uq2OMnuyTx0tjUcKOr8TWEkk5klk7QAjI2CNtg/ClQPgQheOrBA2QO0/ZtSrtiqR2YIaYkmsOE13Uzz5fyuXA8PONMhkiUZLMWyPPJ+rw/wqHXCj8R6lk9LuUf8AGap5CLzBvWM1RZKG8tBqC5jl89yzFBy79fQfT1p9ndwyMyOZChBxk/N9f0VnVuSJCQ7gHGBmneUzRtt0HWtdxh3jTLcxxphCzSFsYV+bHXf+PCkZpI5MDz5c7b7D11mLfUJluSUcjJJxmrMurNGpyT53XBqiy7blVkTDsLJBziRO0kbLcwOR6Bv7atC67O3RWgUh2B5l25Semdt/8azLXbyRAyE7HIx3YpPf9oOZXZUU9CemRv8Ax6aw5piWRWLV9TvLOc20MxjCKp83BySATufSaGrxFfI6hykgJ87K4J91M1qfmuVkBLc6DJPiNv3ULVssGPjW9XikhPd2emRXMUcEaImCcbkbAbbnxqY6lE93HEI/P2VWRjg74z026k0KsNNku0iklmATkAA6kg4+itHYWFrbSho3JcMAT1z6d/ZXHLqop0uS8cUnG3sZziGRn1GQM/MF6DvGW/gVn4VyFONgzHr03GP30Y1ty1xLM2OU9Meg0Ihx2IyDljsB3D+DXWzihvubHg6UG4AcDlkUqM+Oc/V9dbGJyAQxAAzzMOnuP8fRWB4ekNuELEkiXPjt099bGGUHY+b1bPTbuPu/g4ryOtjWRM9PpHcWjzXja07Dia7IwFfDjHpA/fmlc2YHCuk3KoBntVY+OW2+o1Nx1KZtcYLjlWJBkD523Xqc1dtIVuvk5HNnnt5C69N/Ox477MdsV6EZtY8b/og43KSA3DNr2nEtkhGWMoO42GN8/RXqiiG1JufJY0dky0gUZzjO5AzXlWgyeS8RWUpJJM6ocb7HY/XW8vbmPycrHli3eRg4O428d+lQ6uDnmjFeyuCSjjbAGoNJJLNIWUmRyd++otP549TgnYsAsinKjGBmuXzKXC7jHdy06xUPcKMEkHPTr34+iu7NFdtxXo5MUvNM0er6lLDaFYWHM74fmGRg9/8A8DvrPQ6yq3PzAf5JwOXDZqPVZJQwlSUpGrF2BA7/AE9/fQOfsbplmhkMDlsYc+bnu6dM15mOCcSXVa3ldhnU9TmijJiuXK5GdssvpyKpXOqzXcilnd5go5TG22a5B2fYiGbsoZG2aQrnHqI6d1DfJ0UsXTnlTO67hs+j4VWMUjnir5LV3NNdJl25Qox2hGCuOvpNU+xEIVwwkUnaUZ/gf41It32sKRyS9mEPnI3X6etR3DxTr2EZ84b5OwPgNtq2kbVrY0PAssUnHGnKIwjDtT45+5vSqn8nTf8AXzT1YFWHa7Y/7p6VUSo6oKlRFrpxxNqpzsLyY4P9c1WRzICO7oSKbxFN/wBadWXOP8umH/G1VYrgxgL7zSITgWCYwoXIU5wD7akd/uYYsMd9UZJebK4ySOtMe6KqA2Tv0pi0MtMrE5jI3G3jVcvInVWIAG+KXlYBGNlzuK493GeZGGdqDaTJfKlIKqSDnpSRrhiAq9pzHJGKqxRdrJzsSF7vGiEVwsI5U5fWKzJ1wVjhsZfW0hWNnwP6Oc4qsloDjBz6hV6S4WZCPAZFTWsYmsu2L8nZDzRy/P8AHfuquJ3Hcco6XSNHbXRghjhUleRQoBPcBtVyO/2AXAxjfAznPj7ayiXh7mzVmO/xhS2BXmuFuzuU9g7cJa3FrIGiUnc9fdQWKCJXijCheZuvoJp41ABCC2FIx1qBbhY5lYnPKOlWxykk7ZlqFbI18QtrZPuUK5zkFR83Ge/20/ytFBPOXkYZHLtjuwfVWXXVWz19OfCmtqrKDh+7rmudwcuSiklwR8VlXuYGU5ynKSQM7H/GrGl3OOEposAgBhv4k9aHziTVJvMPO8S4wWA28RvUdvOYLZ7RjykHBU+Nd6j+VBfyct/mSZDASmoQNy55ZVOPHethPeRyqzlSCp656b7/AMemsS5KXSEnYMD6qvNqBXfmzlvHJp9UnrTjyGFrS0wtfcwm5lwQPnZ2plrcoFWZtmJyoU9N6q21yLmCUNIqEEBc/TQue7EUjRh8lRsR6s/vrLnklGrN6ca3SJ9VvZJboxSeemM8vQe300LnlMvIOyJQNkqPqqC7uDJMCWIBGDg1G0+MY84LthqcI0kcuRXOy8t7GkmGicBz85mz6M064vudvuLFZCcFlOeYenxqi9xG0atyHn5t1zkYqVbqJSzqpycZyKeknoV3Q6G3eaNyFGE6+ccnwpqxeTlZi52/k8u49/WuLfc0odhjxGaia9fzgFGD4jJFPc0kzUcASc3yh6d3giTl9H3J6VVvk2OeP9N/K/snpUyiVIG8TnHFer/26f8AvmqCzkDFXeKPvs1j+3T/ALRqGZpiol7YqcrtTTKx60zNKgKQ5nJ3pIwBB+ujiR6RbxWlvJpN3e3UsKyOY7nk3OSAF5D3YNSdjp3+yeqfrTf8ugYDMxOeld8oPjijfZad/snqn603/Lpdjp3+yeqfrTf8ulSHbBVtcxi5jaZeaNTllxmr8upWvkTRQrysc4GMY3zU3Y6d/spqn603/Lpdlpx//FNU/Wm/5daTpUJ7gfynBA5s08XLDf6qKmLTVBY8KamABkk3bbf+XUUM2iz57Dhy/kx15L4nHujrGlGtTKcd4CyoX5QSAW8BU1zeQByYpWJxgADb303UYIZ0QWOiXtq4PnGSUy5HhjkGKo/Y+9/BJ/0Z+FGlBrZb8uOc91Na8PXv8M1X8ivQf9EnH5M1w2l3+CzfozS0IetjZLiTti6OVPTKnFcS4kQlg5zkHPXeiNjHaQwst9ol5dSFsh45jGAPDHIankm0SEAy8OX0YPQtfY/9utmBt/f6bcQARLIsgHXHfQ43TY691F1GlOodOF9SZWGQReEg/wDl13s9M/2V1P8AWz/y6G75GtgEbqYx9nznkyTj1/8AxUauR3netD2emf7K6n+tn/l1ILKzb5vB2rn1XDH/ANujYNzNM3McmuZrTNZ2S7twfqw9dww/9umCLTT/APimp/rTf8ugRnKXMfGtFHDo929xZro93Z3KW8sitLdc2CqFgCvIOuKztACrlKlQBqfk1+/7Tfyv7J6VL5Nfv+038r+yelSYwXxR99msf26f9o1CqK8UffZrH9un/aNQqmIVdAJOBuTXKuaRCbjWLKEY+6XCLv6WFAGw06y5uP7m3iUyCxtxGnKM/NVU+rNbWz0e/vgTBbnlU4LMQo+nr7KE/JNec2o8RaxPyr2rLkn+kzMR9XurZHiyBvOjZpVG6Y+b76Tpchu+AXf8OX2nQGaQxyKpAbs2yV+iqcVlNKgkEbcp6NjY0bHEbXT4ljYAjGA2w361otClin05oplVkaQ52FJNPgGmuTzySJo2KsMVxV32oprlv2GqzW4/kHY+jGQfcaHn+av/AM0AU9TZRpt1v/2L/Uax/BkXPbXRz/LUfRWu1tey0O9ZjgiB8D2GsvwOP8iuj/3g+qtAHxbZ23Ynwp7aZcIPOt5R60NaXhSzW6kucsAVUcpIyQd+lGjpF1HcRyNdfcwT16j1UAedrA8MsnawqY2hKpzkg85I3A9ADVEbYHO9a+z0Jlubm8uGkk58qhkA8weAHhQS/shA5kjIMZOB6KABQtwDQLjBAtlbkd0hH0Vp8bVnuMU/+mRNjpMB9BoAMaLn7C2f/gr9VFrWxuLsjs1wv840/gjSVvOHLC5cc4aPAHdsSP3VurPTAgACAVP2U9ALT+Ho0IaQc7dctWgt7AKp83uonFZIgy2BUrGNBhVzToVmb1DTxJGQBWXW2C6ibV2HMRnFehzRxyKeXr4Vl9a09BKLpfNkQY27xSaBHm3EFp9jflRsVZVaO67IY/ot9zP76wUkbRSNGwwyMVPrFa7jiQR6tYXkMpM0Y5S3gVbI+ugHEMQh4i1BFGF8ocr/AFSSR9BFbXBl8g2lSpUxGp+TX7/tN/K/snpUvk1+/wC038r+yelSYwXxR99msf26f9o1CqK8UffZrH9un/aNQqmIVF+GYFl1gSyZ5LWGW4Yju5EJH04oRRbRpja2eqzjIY2nZKf67qpH5vNQBq/k9tZbzTLuxEmIrwssgHX5h5d/61aS6vF0UraRxLEiLtIwznG1c+TvTpbXSrKVlQpInlC4z15iBn3CtJdaPZ3mFmsFZWJI5iQD7c1JxcjaaRnrLVkvUftMMVPULykVreGboHTJGHMVWUj1bChcnBtqunXFtZlYZ5V5lffA3G1RaOLrS7GO0uHAkWch+XIzsKIKUXuKTUlsV7+7e71C5kO+ZSq+pTgfVRDR9Ga/uFjGQBvLJ4egemhtlb81ktw+A5XnJ/pNv++vQeHraGDTUeNg45fnY3z35qhkz/Htla6N8musm2hEeYVQsd2bmdV3PtryjgWF5NKm7NGY9sc4Gf5Ir1v5XnCfJnqgJ3cwgfpUP7q8q+S+zvr+a7tYLo2kXYPIJEUMxYYGBnbHjQBq9B1CKOW5j5S+w3HTI3qzd6tqEl4ORWWBCvzts/T6u41n+D7e4SyFvdRssi8x5jjcFs529dEOIuIhw3p0Nwlobgu/ZoS3mjHiep/wqUl5AaIatKvzkYg9QAT9FUL4xXbNEYmQv0fGBzVQ4am1niPV5FtLrT4LR4lkiE0bE5OfNAVh05Wzk91W+KV1XhCJLvVIIL/TXYI1xaoUeJj4oxO3pzQoyQAaW3kglaKRSGBoBxfHnRCcfNlU/WP31q7q7i1G3try3ftIJE8xyMEjNZ3ixf8Aq7ck9xQ/8QqkXaA3nyVLHJwFYu5HmNKp/PY/vrYm6jTzUwO7Jrzv5JpmbgvkJ2S6kAHsU/vrU3MzC4iVTjOd6DSNHFcrjLFQf6RxUhvIiccyH/cNCbVByis3q2sa9p3E/ajTZH0KCLllePlZ5HbGGVc52O35x8KhmyvGlSBKzazm2cHdQf6Db1ndZniijKyuMMNm8PXVLh/U9U1O0u11fT5LO4hnITmQhXjO64PeR0OPAUA4ummHZxByAx69461rHk1xsdHn/G8XLfM6ycyc4IGdhkH/APWhnE2ZNQguSQfKLO3kOPHs1U/SpoxxBbIdFklOS6sp5idzvj99BNTj5tH0i5G/NFJET6VkJ+plq0eDL5BVdrlKmI1Pya/f9pv5X9k9Kl8mv3/ab+V/ZPSpMYL4o++zWP7dP+0ahVFeKPvs1j+3T/tGoVTEdovbqYuEryTbE95FGPHzVdj9YoPR1YefSdFtSCPKLqVyP5wJRB9KsKAPXeFbWWz0GKOfCtFGsSp0JUAgn2kH+BRZQAqmO7CnG6mM5z680ButQayuVdBzRjzWHiPjRGzvrWdO1SZcHuO2D6qzGcXsNxYYiDxDMjNL2gxnGKCaqpZ2kLcqAsnMT1bAGB6d6vS6kgi5IXLN0yOgoLdWb3VxB91BU7LHnq2/XwGB661JoykXoo15beMbKZkX2Zrc6YirbhVwuPA15lBrAeaa3aGRXtp/nkDlODkY9mK9G0S6WSMjKlW85WzuQafoPZkfltmZOBGQHZ7uJPoLfuFZz5IIR2EbY+fBMT+eB+6j3y6OE4KgTve+T6Fag3yR+bb2gJAzBL/fJpDFo7hJ1DDPMpHt/gUzi+SzTh25a7svKIoZEYDmIK583zT/AL1d0v8A0qHG/wB05Rg+nFFuJtHN1w7qUTLzf5M7qo3yyjmH0gVKbqSGYDSNU0a6vrO10uy1dZRE0LxxS57YFcE+b5yb7584DwrT8YtdXnDhsvsmxwiQw2MxCqAAOV5ZZCAHC84JBIY8pwKAWun6jFwTBZ2x1WOK9DSXKW0LkcyhuUYxuDkZ3Hd4VXS01Ii1sLPWJZoUcjyDVkaKIAEqB52xBTzu7HQb4qloQV0Few0JdPNxDO9jcNFzwvzK6sA4IPh52PZVbitc8N3XqX+8Kl4Tt7e0l1eza3e3SSCK7tUaQSkDdWIYbEcxApcSLzcPXn9TPuIpLlgFvkolC8JSrkbXb/3VrUTSDyiIg5OcVh/ktmC8P3inuuf/AEitDf3jqyrCfujHzfAUPk0uDZBltlftZAuMcuRjO2cjxoFxJbaJxDpS2F/qE8MJkDZgYKSRnAOQQRvnpWD1PVtYiupEcsEwAn81s+n0Yqa2udbvLNkMsIRdyDHnPd169/01LJCMmnL0Pc9CgvLWO2trK3uWuSiBA8h85gB1OwydqxvHBmV7Ts2EbSEsOdTkDB6jY1lbq91jTZ+WIl3z80NJ9XNVy8udQvJYZL4n7nHyqC2SM0oRjjjpiG9g7Ue0k0m4jkYMezZiQMDI3/dQOVln4Ot9/Ptb11x6HUHPvStJKiyRuj7hvNb1EVmdPQS8O6xGRvEYZs+pimP/ADPoq0RMEUqVKtGTU/Jr9/2m/lf2T0qXya/f9pv5X9k9Kkxgvij77NY/t0/7RqFUV4o++zWP7dP+0ahVMQq2Wn2bHijhmxUhvJ4Y5mUjIGWaVgfYaxw3NeicPKJvlMuyvnLaQdkG/qKsefo+mgT2RuNQs7WZGPko5j05XIA9Q/xoMunWRlBzMGQ55Swwa0bsuAGNQtolzfMJII+T+mdgRRojy0QU8noGXkCRRxyws/KxwwJ6Hu/f7q1Gg2M9zo9jcROsfYTM5LE7jDr3Y8R30rPhhFhKXsnbA/yQMAfvo1BZ29tEscMSIqDAAHSstfBeN1ueVXLm3vGuP5D+bL6PBvj6/RWv4S1eLtEsZ2Kkt9xk64PgaO3Gg6XcQsj2UPnDcqvKfeK851W2+weqTW9sWltoyOVRu0ffj0gZ9e1NMAn8vc3Lw5pcJIy90W9yn414tNfXM0EMDORHAuEUbYzuT7a2Pyi8QT6tY6VbSziZbcyYJ+cNlG/+O9aLgTTLRr6yuJLaN5TprbsoPcuD696YzK8B6nd+Wm1Zi8EKdogPRSCPrzXuthJFdxpOjBe0UY78eNeUaJZQWkUrRIqtJKxYj6q0uk6u+nPysOeEncd6+kVLJHUtho3V/p1td8sc7uwbB5Obzdjnp3j11UutNtktmRWBPLjziCagWY6iglimPJjZvRXVs3+c0hI7zXO2ME2HCml2d095DaxxyvC0T9nlVZTuRy9ANgdu+sRxIoXRL9DtiNhW817Vo7OJ7O2Y9uQAx/mAjPv3rB66nPol4P8AuWP0VfEnVsQK+T7UIYNOubUzIksk3MqswBI5RWqZuYlSQwO+axPAlvBd2t/HPbxTKrRnEihuvN4+qtOmlRQPzW3aW5zuFkPL+bnFbkNcBODPajBz6960tlZ27Q8xhUu2Mg9G38O/oPdWes0LSgdTWrgXkhI/k5Azj+DXPJibM5rMARxycsYxjCrjptWVv4gJA25bGMk5raa0Mg47iRnOc5rH6iPNz3g0lyaQKPRtvTQDSeVb3V7FhzCe1mVR/STzx/crQHd8UDs1aPjSKNMAzt2WT/3icp/vGuqImZ6uU5lKsVYYIOCD3U2tGTU/Jr9/2m/lf2T0qXya/f8Aab+V/ZPSpMYL4o++zWP7dP8AtGoVRXij77NY/t0/7RqFUxBHh+3F3xDp8BXmD3KBlPeOYZ+itn8nfLda3rOp7+cQAPQ7Fv8A0ispwuHTVXukH+i2s83N/NIjYKfzitbX5MoSuj3LgZaWfA9gHxoMT4N5Y263VyoceYDk1qVVVUAAAAd1BNKhxGUJAcHIz31LdXF+HMFrEvPj/Oy/MT2dW9X0ipuRSOOlQTmuYoE5pXVVHeTgUEuOMtOSVoLOO41CRRnFpHzr6ub5v00Tg06FAWlHbyHq8oBPs8B6BVpY0XYKoHgBijcfiZM8UazcxMqaHPbE5AaTziPTttWYlLNK7TcxkJJbm657816k3KOuMemvN+Jp4vtguOyIwCAceON6asTowXHjJ5RZKAAQjEnx3Hwrf8C/6Xp6eOnsPoSvN+NW5tTg9EA/vGvS+D0MWu2MfclnIp9nJWxA63hNvLcwnqlxIvuNWM0+9QRaxqKjuvJPpNM7qQwho+oyWd4ic+IZG5WUnYZxvRi51x4NTFmxXsRjL4OVJ+jHTurHXxuEtWa3QSOu5TOCwx0BopBpeow6RJf6tzSTz8ro2ThFwoAxk+nr9FZcE92Ba4lidNS7RiGWRBykDw2wazmqjm0i9/8AAf8Aumi0moTy2QtJOVkU5Ukbj20N1NebSrsDvgcf8JrQGT4GZlgvwhPMZbbp4c5z9BrdkDqTgYrAcByOt/dxowBaENuM9GHp9Na+4uWM8EdwFRGY5fPmnasSNLg0GmJzSq4B5Q2ObHfWmhhYxBmUIDvg9CM99V9FtYxYi5mIVVjLxoRsozu5PTuNANX4i5ba6vyCyW6l7WMggN5wALDruWB9VTcRNFriO4SOZLeFJLiZwGbkHmoucdenh30Am0p7hGIONvCiSXUl0UmnCh3AyB09XqyalC7+ecZPdVY4lW5mzM/YNe3A7Vhv3jHorK8Q2q6NxZYy8zdmOzlDHrgN/hXp5WJmEQAHMdz6KwHylwKJbGZR/PQnwHmkD66pVBZl+I4PJuJNRiwAFuXwB3AsSProZRbiNH+yaXDnPlVtDNzfziUGf+IGhNIDU/Jr9/2m/lf2T0qXya/f9pv5X9k9Kkxgvij77NY/t0/7RqFUV4o++zWP7dP+0ahVMQb0UdjomuXQblItkgHp55FyPcpr0H5PQttw7akggys7N6yxH1AV54qiLgx35t7nUFXHojjJ/wDcHurX6JxdoWn2FpbyXLr2SKGxEx6de7xoatGZNpqj1GMMCGHWiEL+b55GaxifKdwgiYF7Lnx8nf4Uh8qPCmd76U+u3f4VJJos2mbZ7uKIZZgPbVE6lcXkirp8AaPOHmkJVR6tvO9nvrNJ8qHBinJupM+Pkz/Cph8rHCA6Xso//rv8KdNitINa5p15PprmDUp7eQKcmNV394J91eYS20tjN2MsjSd4djkken01rbz5VuF5ojHHdy4bYnsH+FYnWeItEmuBLbam9zzA5Bt2Tk9A8aVNSBu4mb4sfn1aMfzYlH0mvVeHW5eJYB428v8A6a8h1a8gvNVSZGJjAUEkY6da3mk8baFaa7BdzXLrCkUiMREx3PLju9BqpgN6iwbXNRx3XTfuqGgMnGejyahezGd+Wa4Z0PZndSB8Kd9ueifhD/om+FIZptNS3k1CJbsqIMkuWblAAGck91HL/ijQ59OaxUTmIr2ccnZEpt0OfRtXnb8X6FKhjkmZ0YYZTE2CPdV2bjLhZ7aPlnkEojUHMTY5gP499MQQpk6dpbSJ/OUj6KDfbjov4Q/6JvhS+3HRSP8ASHx/4TfCkMy/B0Ms+rvHDcvbsYSeZApJ3G2+1am+a9ismjuYJnVcMZJDGMgDfp08fHfrWS4X1G10rWzc3TlYeRlyFJ69Nq1s/GWhyKFE7Ed+Ym+FJjRvNU1G4veEbGW1jmtIZ5FWeKSMoyjHQ53wT7xUujaZaatoNyb54hDdcoiywypUnBOem/dXmtzxJw/eWyW09zO8KHKxkycoPqqgLnhBVwrXC+ppfjWa8rHe1Ho02lS6czAajp00fRT26oQPbXReLIDGHhaQZ81JVc+vzSa8tmj4TkyY727jPoBI+kVFp2p2WgXDXthcPcT8hRVdMAZ78+yq6mYo9MabM55biBXVtwGGR7DWa+UZRJpMLZjYpOPOjcMN1Oeh8awU0xubhrm5n7SSVueTA3JJ3GfGieoXXDUthMLGyuobo47Mu2VG4znzj3Zo1BRzXys2k6Fcqck2ZhI8CkjfGgVFZgZOF7Z8E9jdyoT4BlQge8MaFUgNT8mv3/ab+V/ZPSpfJr9/2m/lf2T0qTGC+KPvs1j+3T/tGoVRXij77NY/t0/7RqFUxGgtNU0NtEtrDUrO8d7eSR+aCRVDFsdcjwUUvKOEfwDVP06fCgFKgA/5Rwh+Aap+nT4UvKOEfwDVP06fCgGKWKAD/lHCP4Bqn6dPhS8o4R/ANU/Tp8KAYpUAH/KOEPwDVP06fCl5Rwj+Aap+nT4Vn67QAf8AKOEPwDVP06fCl5Rwj+Aap+nT4VTXh+8aK5lV7cpaAGciYfc8kKM+0gVSurV7OcwyMjMFVso4YEMARuPQRQAZ8o4Q/ANU/Tp8KXlHCH4Bqn6dPhQvTdNn1W5NvbGPtOUth3C5ABJxn0A1y6025s4IbiRVMFwG7KVGyrY6j1jbIO+48aACvlHCH4Bqn6dPhS8o4R/ANU/Tp8KE6fp9xqd2trahWlYEgMwXOBk9fQKm+wt3yoxMIV7Y3KkzLgoCQe/rkEY67UAEPKOEPwDVP06fCl5Rwh+Aap+nT4Vn6VAGg8o4Q/ANU/Tp8KXlHCH4Bqn6dPhWfpUAaDyjhH8A1T9OnwpeUcIfgGqfp0+FZ+lQBoPKOEPwDVP06fCl5Rwj+Aap+nT4Vn6v6fo97qYdraHMcezyuwSNSegLHABPcKACPlHCP4Bqn6dPhS8o4R/ANU/Tp8K4vCGpOgYNCQc7iQHGDg+zPf6RUkPBWpTyvEkltzIMuWmChe7cnbqMVrTIVjL3VdEOgy6bp1ndxtJOk3NPIrYIBHcPAms/RDVdGvNHmWO7RQHGUdHDo48Qw2ND6zVDNT8mv3/ab+V/ZPSpfJr9/wBpv5X9k9Kkxgvij77NY/t0/wC0ahVFeKPvs1j+3T/tGoVTEHdLsrK78ljuJo4YG7MzMwUFiZgpAY9CEPN6lO3fVa6ghOnwPsksUGWGBue1YYPpxj2ChmdqWaANAywzWGl2yyQwmaELPI0a8qDtXyzHqGxy+yuxWNo5hgllEUKlEkJ5AzAzYJ5sbbHOfDHdWezSzQAal02J7Kzke6QOUVGhCqrxgySgk4645QTnfzx3Yqjc2kMVoJEl5nyuRtjB5v8A9R7/AH080s0AcpUqVAGn4etriXhLiZ0hkdTBAMqpOT26k/QCarQ21nPoUepCGJWsnMVyhJJmLAmNsZ2GxU48M99BkuJo15UldV8AxAqRroeQrbJFykvzyPnPOeij0Ab+/wBVOxUF+C7ea54nhEELSkRykqqk4+5sN8e6i9vp0GoaVo8V/GbEJNcCOyOV8oPJzBlz53nMiIdzv0xWLjlkiJMcjIT15Tik0ru3M7MzeJOTQmDRr+GLGOW60u8SDs7qS4uI+yRT58Yi2bHoYkZ+FctdKN1Z2EdzYySBdFuZUyrDlYSSlTt6ce+so93cyS9q9xK0mMc5ck49dLyu4/18n55p2KjVNo9sfIoRpmO30SS6dhzc3aKshDDfxVdvjUNzptjY6K11Np0i9tZwm1eRWy0rY52ODjlxkj1r6azQuZwQRNJsMDzjsKJ/bDOLYwqZ1RoexMPbnsccvLnkx17+vWlY6CV1pun2+rHT4tPluF8qhWG4AKq8ZJ67+dzjBB26HFCNfSG31a5sobNbdbaeSMbnmZQxxzZOM48AKo+UzlUUzScsfzBznC+rwpjuztzOxYnqScmiwobSpUqQxVs7FrSTha0jOQsTOZC0vIA5I87odwANj1xt3VjKuWWp3VgT2EmFb5yncH2VqLSA3CrcB4JYGhFnJGrTBS3aDzcsMHv5h5v07ZxJLNKYo5JlSO3E7qjMxP3PlBXmxuDkkk43PoAzmoeM76GMJyKQOm522xTvt1vMbIFbGAQxqlxrkRe4kjaHhm3N1hZriYyRKpyvLyoCwPgWD4PorGVc1HVLzVJxNeTtKwHKvMc8o8BVOpN2M1Pya/f9pv5X9k9Kl8mv3/ab+V/ZPSrLGC+KPvs1j+3T/tGoVX0hLw5oU8zzTaLp8kkjFnd7VCzE7kkkbmm/avw9+IdN/VI/hQI+caVfR32r8PfiHTf1SP4UvtX4e/EOm/qkfwpgfONKvo77V+HvxDpv6pH8KX2r8PfiHTf1SP4UAfONKvo77V+HvxDpv6pH8KX2r8PfiHTf1SP4UAfONKvo77V+HvxDpv6pH8KX2r8PfiHTf1SP4UAfONKvo77V+HvxDpv6pH8KX2r8PfiHTf1SP4UAfONKvo77V+HvxDpv6pH8KX2r8PfiHTf1SP4UAfONKvo77V+HvxDpv6pH8KX2r8PfiHTf1SP4UAfOVKvo37V+HvxDpv6pH8KX2r8PfiHTf1SP4UAfONKvo77V+HvxDpv6pH8KX2r8PfiHTf1SP4UAfONKvo77V+HvxDpv6pH8KX2r8PfiHTf1SP4UAfONKvo77V+HvxDpv6pH8KX2r8PfiHTf1SP4UAfONdr6N+1fh78Q6b+qR/Cl9q/D34h039Uj+FAHzjSr6O+1fh78Q6b+qR/Cl9q/D34h039Uj+FAHjXya/f9pv5X9k9KvarbQdGsrhbi00mxt5kzyyRW6Ky5GDggZ6GlSGf/2Q==[/img]
Disease & Death setting in by the “supposed” Retirement age of 65? It is okay & 1/2 ignorant of today’s brainwashed masses to pay healthcare premiums out of each paycheck that also includes Social Security & Medicare/Medicaid PremiumeDeductions for over 50 to 60 years, but how dare you get sick or get old & collect what you or yourspouse paid into the system just for that explicit purpos