September 2024 OutreachNC

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SEPTEMBER 2024

FEATURE:

THE IMPACT OF INFLATION ON SENIOR CITIZENS: GROWING CONCERNS

Inflation, the gradual increase in prices of goods and services over time, is a financial phenomenon affecting every American. However, for senior citizens living on fixed incomes, it poses unique and significant challenges. As prices rise, the purchasing power of their savings and fixed income sources like Social Security benefits and military pensions diminish, leading to financial strain and difficult decisions. According to research from 2020 focusing specifically on economic stability and seniors, “nearly 5 million older women living alone, 2 million older men living alone, and more than 2 million older couples had incomes that made them economically insecure.” These numbers were collected before the dramatic 9% increase in inflation experienced in the past two years.

continued on page 5

MENTAL HEALTH MATTERS:

OCTOBER 2022 - 2

It’s fall, y’all!

Well, it’s almost fall. Technically, fall begins September 22, 2024 at 7:44AM CT, but who’s counting? I am. We are. Those of us whose hair is triple its normal size…. we are counting the days, hours and minutes to cooler temperatures, pumpkin spice lattes and the official changing of colors. Until then, keep the iced cocktails flowing and the fans cranked up as we enjoy (endure) these final dog days of summer.

This month, we’re exploring how inflation impacts seniors. From housing costs to financial strategies, we dig into what inflation looks like from a senior perspective. While rising prices impact all Americans, increased costs have special implications for those of us near and in retirement.

In Ask the Expert, Kate Pomplun answers a reader’s question about how to prepare financially considering her husband’s illness. Pomplun helps us understand both the logistical and emotional sides of financial preparedness during difficult times.

In this month’s Mental Health Matters, Amy Phariss, LCMHCA offers suggestions for identifying, building and strengthening healthy coping skills. As Phariss

Well, it’s official: fall is here. I had my first pumpkin-spiced latte just ture dipped low enough to merit a fleece.

Don’t worry. It was decaf.

explored in a previous column, coping skills can fall into the healthy and unhealthy categories, and sometimes, they fall into both! This month, we look at the healthy coping skills we can all build to create better mental health outcomes for ourselves and those we love.

October is a gentle month. There are constant reminders of change. we are lucky, toward each other. We have lingering conversations over the flames flicker. Smoke dances around us in a circle. We zip our jackets

In this month’s feature, we’re starting an important conversation: care community for ourselves or a loved one? Fox Hollow Senior Robin Hutchings offers inside perspective for making this decision.

Finally, September is host to Stand Up to Cancer Day, and we’re on board! We take a look at the latest data and statistics related to cancer in the US and what we can do to lower our numbers and stand up to cancer.

In Ask the Expert, Amy Natt answers a reader’s question regarding away without any estate planning. Without a will or access to important

For those of us who remember our first days of school and the smell of a sharpened pencil, Nora Ephron’s words will ring a bell, even in North Carolina:

Physical therapist Dr. Sara Morrison of Total Body Therapy and Wellness potential diagnostic tools used in physical therapy to help diagnose these tools differ from what other doctor’s offices may offer.

I’m going to agree with Nathaniel Hawthorne this month, who wrote:

I cannot endure to waste anything so precious as autumnal sunshine spent almost all the daylight hours in the open air.

Here’s to enjoying the October sunshine, falling leaves and daylight

“Don’t you love New York in the fall? It makes me want to buy school supplies. I would send you a bouquet of newly sharpened pencils if I knew your name and address.”

Indeed,

facebook.com/agingoutreach/ instagram.com/agingoutreachservices/

ASK THE EXPERT: FINANCIAL PREPARATION

Q: My husband is in the later stages of prostate cancer. I notice as his disease progresses, he becomes more agitated and anxious about our finances. He wants to make sure I’m taken care of, but he’s also exhausted. He puts off decisions and tells me he needs to get more information. I’m trying to plan for taking over our accounts and managing our finances, but he seems to feel I’m trying to control him. How can I prepare myself but not add to his anxiety?

A: This is a great question and takes into consideration the anxiety both your husband and you are feeling.

Getting prepared to make a change in who handles finances can seem overwhelming, but you are smart to try to tackle things sooner rather than later. Also, as health conditions change, the cost of care can change, so it’s important to know not only how things are paid, but also what might potentially need to be paid for when it comes to care and additional support.

Start by compiling information you already have and use that to determine which details you might be missing. It will likely feel less overwhelming to him if you do some background work and organize this information to give a clearer picture of what needs to be determined and discussed.

First, gather information on what you do have:

• Do you have a financial planner who oversees investments?

• Make a list of accounts: checking, savings, retirement, IRAs, investments etc.

• What are the household bills and how are bills currently being paid: Do they come in the mail and then paid by check/credit card, are they auto drafted?

• What is the schedule for things to be paid: what’s monthly like utilities, insurance premiums, phone/internet, house or car payments and what is more sporadic? Property taxes, home and auto insurance etc.

• Do you have the correct online or phone access, passwords, pins to be the main contact for accounts and bills? Does your name need to be added?

• What kind of care costs do you anticipate? This can be a difficult conversation. Do you plan to hire care in the home should he need it or look into placement if that makes more sense financially? Do you have long term care insurance you can use?

Speaking with someone like an Aging Life Care Manager™ could be very helpful in preliminary discussions about what is out there, what the average costs are and what programs and payment options are available. If you haven’t done so already, following up with a financial planner could be very helpful. You can ask about best practices to use your funds to allow your husband to get the care he needs, while maximizing what can still be left for you to use should you need it.

Use this information to approach the topic gently. Remind him that you’re not trying to take control, but that it’s less stressful for you to have some of these details worked out now versus if a crisis in his health should occur. Offer to work together on transitioning who does what over time, as long as all of the information gathering and access has been completed. Approaching the situation this way, gently and in collaboration, will help ease both of your anxiety while allowing you to prepare in the ways you need.

THE IMPACT OF INFLATION ON SENIOR CITIZENS:

GROWING

CONCERNS

GROWING CONCERNS

According to the National Council on Aging, “More than 17 million older adults age 65+ are economically insecure, with incomes below 200% of the federal poverty level.” Inflation plays a role in this insecurity and is, as many Americans are acutely aware, on the rise.

Rising Costs and Fixed Incomes

One of the most pressing issues for seniors is the gap between rising costs and fixed incomes. Social Security is a primary source of income for many retirees, yet the cost-of-living adjustments (COLAs) to Social Security benefits often fail to keep pace with real inflation rates. In 2023, the COLA was 8.7%, the highest increase in more than 40 years. Despite this increase, many seniors find that their expenses, especially in essential areas like healthcare and housing, have risen even more sharply. According to the Elder Index (a measure of cost of living for older adults), a senior older adult in good health paying rent needs an average of $27,096 to pay for basic living expenses. This amount is $14,000 more than the federal poverty guidelines of roughly $13,000, leaving a gap many seniors cannot fill. Ramsey Alwin, president and chief executive of the National Council on Aging, says,

“THERE’S A MYTH THAT SOCIAL SECURITY AND MEDICARE MIRACULOUSLY TAKE CARE OF ALL OF PEOPLE’S NEEDS IN OLDER AGE. THE REALITY IS THEY DON’T, AND FAR TOO MANY PEOPLE ARE ONE CRISIS AWAY FROM ECONOMIC INSECURITY.”

When basic needs and necessities cost more, seniors are forced to prioritize needs rather than meet them.

Healthcare Costs

Healthcare expenses are a significant portion of seniors’ budgets and have been rising faster than general inflation. According to a 2022 report by the Kaiser Family Foundation, out-of-pocket healthcare costs for Medicare beneficiaries have increased by 12% over the past five years. Prescription drug prices have been a major contributor to this rise. For seniors with chronic conditions, these costs can be overwhelming. The average annual out-of-pocket spending on prescription drugs for seniors was around $1,200 in 2021, a substantial amount for those on limited incomes.

THE

RISING COST OF HEALTHCARE CAN LEAD TO SENIORS PUTTING OFF CARE. IN FACT, ONE IN FOUR AMERICANS SAY THEY HAVE PUT OFF OR SKIPPED NEEDED HEALTHCARE DUE TO COST.

Many seniors fear not being able to pay monthly healthcare costs or deductibles and some go without prescription medication because of cost. According to the Commonwealth Fund 2023 Health Care Affordability Survey, “One-third of Medicare beneficiaries said it was difficult to afford health care costs, including more than half of beneficiaries under age 65.”

Housing Expenses

Housing is another area where inflation hits hard. Property taxes, maintenance costs, and utilities have all seen significant increases. For example, the Consumer Price Index (CPI) for housing increased by 5.4% in 2022, adding pressure for seniors owning their homes. Those who rent also face increased costs, with rental prices climbing nationwide. In major cities, rents have increased by as much as 10% annually, making it challenging for seniors on fixed incomes to afford adequate housing. According to Rentdata.org, rental prices in Moore County have increased by 7.67%, and rental prices in Moore County are considered high in relation to the national average. For example, a one-bedroom apartment in 2018 (pre-pandemic) cost Moore County residents roughly $678. Today, in 2024, the rent has increased to $886. For many seniors, the extra $200+ per month is difficult to adapt to with a fixed income and rising costs in other areas.

Daily Necessities

Inflation also affects daily necessities like food and transportation. The price of groceries has risen considerably, with the Bureau of Labor Statistics reporting an 11.4% increase in food prices in 2022, the highest in over 40 years. Seniors, especially those with dietary restrictions, often face higher costs for specialized foods. According to the USDA, many older adults do not have enough food for a healthy and active life; nearly 7 million seniors faced food insecurity in 2022. Additionally, transportation costs have surged, with gas prices fluctuating and public transportation fares increasing, further straining budgets. Transportation limitations also affect food security.

When seniors don’t have transportation options, their ability to secure food is limited. This means seniors may have to shop at more expensive stores or have reduced access to healthy, affordable food options.

Financial Strategies and Adaptations

Faced with these rising costs, many seniors are being forced to make difficult choices. Some are cutting back on non-essential expenses such as travel or luxury items. Others are delaying retirement or returning to the workforce part-time. A 2021 survey by the Transamerica Center for Retirement Studies found that 20% of retirees have re-entered the workforce, primarily due to financial necessity driven by rising living costs. According to Catherine Collinson, CEO and president of Transamerica Institute and TCRS,

“MILLIONS OF U.S. WORKERS ARE AT RISK OF NOT ACHIEVING A FINANCIALLY SECURE RETIREMENT. THE SITUATION IS INTENSIFYING WITH SOCIAL SECURITY’S AND MEDICARE’S PROJECTED FUNDING SHORTFALLS, POPULATION AGING, SKYROCKETING COSTS OF LONG-TERM CARE, AND WORKERS’ OBSTACLES IN SAVING AND INVESTING,”

When asked for the reasons seniors are returning to work post-pandemic, 48% of retirees said they feel they must return to work for financial reasons. The other half of Americans believe part-time work is a boost for emotional health and social interaction.

Conclusion

Inflation poses a formidable challenge for senior citizens, eroding the value of their fixed incomes and savings. With healthcare, housing, and everyday expenses on the rise, many seniors face financial insecurity and tough decisions about their living standards. Addressing these issues through thoughtful policy and community support is essential to ensure that our senior population can enjoy a secure and dignified retirement. As the inflationary pressures continue, it is crucial to recognize and address the unique vulnerabilities of our older population.

Sources

https://www.kff.org/medicare/issue-brief/medicare-households-spend-moreon-health-care-than-other-households/

https://www.ssa.gov/oact/cola/latestCOLA.html

https://www.healthsystemtracker.org/chart-collection/recent-forecastedtrends-prescription-drug-spending/

https://www.consumerfinance.gov/data-research/research-reports/ https://www.transamericainstitute.org/research/publications/details/votefor-retirement-american-workers-want-a-stronger-united-states-retirementsystem-survey-press-release-2024

https://www.troweprice.com/personal-investing/resources/insights/ unretiring-why-recent-retirees-want-to-go-back-to-work.html

https://www.kff.org/health-costs/issue-brief/americans-challenges-withhealth-care-costs/

https://www.commonwealthfund.org/publications/2023/oct/can-medicarebeneficiaries-afford-their-health-care-2023-survey

https://kffhealthnews.org/news/article/elder-index-aging-costs-seniors-basicnecessities/

https://www.ncoa.org/article/get-the-facts-on-economic-security-for-seniors https://home.treasury.gov/system/files/226/The_Economic-Security-ofAmerican-Households-Issue-Brief-3-The-Economic-Security-of-OlderWomen-JAN2017.pdf

https://www.rentdata.org/moore-county-nc/2023

https://www.feedingamerica.org/hunger-in-america/senior-hungerfacts#:~:text=Almost%207%20million%20seniors%20were,a%20healthy%20 and%20active%20life.

Ingredients

Bread Pudding

• 6 slices stale bread (Or about 4-5 cups of broken bread pieces or cubes.)

• 3 tablespoons of butter

• 4 beaten eggs

• 2 cups milk

• ¾ cup white sugar

• 1 teaspoon vanilla extract

• 1 teaspoon cinnamon

• Raisins optional

Optional Creamy Vanilla Sauce

• ½ cup milk

• ¾ cup heavy cream

• ½ cup granulated sugar

• ¼ cup unsalted butter

• 1 tablespoon cornstarch

• 2 tablespoons water

• 1 tablespoon vanilla extract

• ½ teaspoon salt

Optional Buttery Brown Sugar Sauce

• 3 tablespoons butter, salted (unsalted is ok too!)

• 1 tablespoon brown sugar

• 1 teaspoon vanilla extract

Instructions

1. Preheat oven to 350 degrees, and use 1 tablespoon of butter to coat the inside of your 8 in. square baking dish.

2. Break your bread (I made larger pieces, rather than crumbling it up) in to the buttered baking dish.

3. Melt your remaining 2 tablespoons of butter, and drizzle over bread pieces.

4. In a bowl, mix remaining ingredients (don’t forget to beat your eggs first) until mixed well.

5. Pour this mixture over the bread, making sure to evenly coat each piece. Allow the bread to soak in the mixture for several minutes.

6. Bake for 45 minutes, or until the top of the bread pudding springs back after lightly touching it with a fork.

Optional Creamy Vanilla Sauce Instructions

1. In a medium saucepan add the milk, heavy cream, granulated sugar, and butter. Set the heat to medium and using a whisk stir until the butter melts (about 3 minutes).

2. Once the butter has melted, in a small bowl combine the water and cornstarch to create a slurry. Make sure the cornstarch and water is fully combined then add it to the cream mixture.

3. Stir to fully combine.

4. Using your whisk, continue to stir the mixture until it starts to thicken and bubble (about 3 minutes).

5. Once it starts to thicken and bubble, add the vanilla extract and salt.

6. Stir to fully combine the vanilla and salt into the mixture.

7. Allow the mixture to continue to thicken. You’ll want to have a consistency of runny pudding for about 2 more minutes. Once you get to that consistency, remove from heat and allow to cool for a few minutes before topping the sauce over your bread pudding.

Optional Buttery Brown Sugar Sauce Instructions

1. Grab a small saucepan, and melt (on high) 3 Tablespoons of salted butter.

2. Once melted, turn it down to medium heat and wait a bit to let the butter brown.

3. Then, add in a tablespoon of brown sugar, and a teaspoon of vanilla extract.

4. Stir to combine and remove from heat. Let rest about 1-2 minutes, use the whisk to mix up the brown sugar and butter mixture and pour on top of the cooked bread pudding.

5. The little chunks of candied brown sugar give a nice crunch and are the perfect addition to the soft texture of this bread pudding.

MENTAL HEALTH MATTERS: HEALTHY COPING SKILLS FOR BETTER WELLBEING

In July, we talked about coping skills. Some of those skills can be unhealthy and lead to short-term relief but long-term problems, such as substance use, sleep or even exercise.

Eating, for example, can feel soothing and comforting in the short term. However, if we keep eating more than we need, we can develop health problems as a result. Then, the eating becomes another issue we need to deal with, sometimes masking the issues underneath (why we started eating in the first place). Eating can be replaced with any behavior that becomes problematic: sleeping, spending, exercising, socializing, etc.

There are, however, some coping skills and lifestyle habits that typically fall into the “healthy” category and are less often misused or abused. The key is to utilize the right skills, at the appropriate times and with intention and purpose. Let’s explore some of these skills and identify how they can help ease short-term suffering and encourage long-term benefits. We’ll look at skills broken down into categories.

Healthy Coping Skills for Mental Wellness

Journaling – you can journal all on your own, by yourself, in your car, before bed, first-thing in the morning, by hand, on your phone. The list goes on. Writing out how you feel uses a different part of the brain than talking about an issue or thinking about it. So, journaling is a great way to process an issue from another angle, and many people find relief after writing out their feelings, observations and even stories.

Setting Boundaries – learning when and how to say “no” is a great skill and learning how and when to say “yes” is just as important. Practice saying “no” to requests you feel are unfair, unrealistic or go against your values. If a child, for example, is asking for money you don’t have or can’t afford to give, it’s okay to say “no.” If a friend is texting every day and asking to have coffee, you can say “no” rather than avoiding the texts or feeling pressure. You can also lean into saying “yes” to activities that feel good and give you relief from life’s inevitable challenges. If you’re a caretaker, saying yes to

a support group can be a wonderful coping strategy to avoid burnout.

Learning/Personal Growth – hobbies are underrated. We think “work” is the most important thing in our lives, especially when work is paying bills or helping care for others. But hobbies are equally important. Our brains need breaks from stress and struggle. Like children, we need play. We need relaxing, engaging opportunities to learn something new, engage in playful activity and be creative. These breaks from rumination and worry help ease the suffering we feel in other areas and light up important parts of our brains for overall health and more balanced thinking and feeling.

Self-Acceptance & Compassion – We cannot be compassionate or accepting of others (or our circumstances) without offering ourselves the same courtesy. Many clients believe acceptance is the same thing as approval. If we accept a behavior, we approve of it or are asking for it to continue. If we have compassion for someone (or something), we can’t set boundaries or be upset. These beliefs keep us stuck in negative cycles. Having compassion is the place where change begins. When we accept where we are at the moment, we can stop trying to change the past and direct our energy to a better future. Talk to yourself as you would a child or dear friend. You’ll be amazed how much a little bit of softening can ease suffering and create space for change.

Positive Thinking – when you find yourself thinking or ruminating on problems or negative thoughts, you can stop the cycle quickly by thinking of something positive. It’s helpful to have a cache of about 5 images that immediately make you “happy” or smile. I think of my beloved dog, Sandy. Even though she has now passed, thinking of her still makes me smile. If I find myself going down a negative rabbit hole, I will think of Sandy or my children’s faces or a few beautiful places I’ve been in nature. The point isn’t to create a world in which I never think of anything hard or disturbing. The point is to stop ruminating and hyper focusing on the negative.

Time Management – how we manage our time deeply affects our mental health. If you find yourself stressed, always running behind, never having time for relaxation or fun, it might be time for some reflection. Spend a few days or a week logging your time. Note how much time you’re spending in each area of life (work, cleaning, cooking, running errands, doctor’s appointments, etc.). Then, identify where things are off kilter. Are you sitting watching TV for four hours a day? You might want to spend one of those hours walking or gardening instead. Or you might call a friend or attend a support group. Try to find space for the healthier habits you want to engage in and reduce the amount of time you’re spending in mindless activity or overworking.

Healthy Sleep Habits – sleep is the king and queen of overall health. When we’re tired, we eat less healthy foods, don’t get outside and explore, have less bandwidth for play and hobbies and feel less compelled to socialize. There are many myths about sleep in later life, but the reality is that sleep is as important for seniors as it is for anyone else. Try getting to bed and waking at the same time each day, and if you can avoid an afternoon or early evening nap, that will help to create a more stable bedtime (9PM vs. 1AM, for example).

Outside of these suggestions are many other options for developing and maintaining healthy coping skills. Being outside and in nature is a wonderful way to boost your mood and overall health. Exercise and healthy diets are paramount for good mental health and emotional processing. Spirituality is a wonderful support, however that looks for you. And there are always professional resources if you find yourself needing more help or a professional opinion. Professional counselors, clergy, medical doctors and support groups all offer support navigating life’s challenges. You’re never alone. Taking one or two steps in the right direction is often the jumpstart needed to start feeling better.

September 13, 2024 is Stand Up to Cancer Day

The Stand Up to Cancer organization writes, “We believe that humanity stands at a tipping point in the struggle against cancer. Lifesaving discoveries are within our grasp, unfolding at research centers across the country and around the world. We hold ourselves accountable to help push the course of research toward revolutionary breakthroughs that can save lives, now and in the future.”

That sounds like a good plan for all of us! Here are some facts about where we stand with cancer today.

In 2024, roughly 2,001,140 new cases of cancer will be diagnosed in the United States.

More than 600,000 Americans will die this year from cancer.

In 2024, an estimated 14,910 will be diagnosed with cancer (ages 0-19) and 1,590 will die.

The cancer mortality rate is higher among men than women.

88% of people diagnosed with cancer in the US are 50 years of age or older; 57% are over the age of 65.

As of January 2022, there were more than 18 million cancer survivors in the United States.

Survival rates vary based on not only types of cancer but also individual cases. As of 2020, for melanoma, the survival rate at 5 years is more than 94% . For kidney and renal pelvis cancer, the survival rate at 5 years is 78.1% , and for esophageal cancer the survival rate at 5 years is 21.6%

The mortality rate from cancer has decreased 33% since its peak in 1991. This is in part due to decreases in smoking, better detection and prevention and advances in treatments.

Except for non-melanoma skin cancer, at least 42% of newly diagnosed cancers in the US are potentially avoidable. This is an estimated 840,000 cases in 2024 alone.

Lifestyle factors play a role in preventing cancer including sun protection, smoking, alcohol consumption, nutrition and physical activity.

Cancer screening also plays a role in cancer prevention and in better outcomes. Screenings can contribute to the prevention of colorectal and cervical cancers, for example, by detecting precancers, which can be removed. Screening can also reduce mortality in many cancers including breast, lung and prostate cancer, among others.

The 5-year relative survival rate for all cancers has improved dramatically since the 1960s, from 39% to 61% among white Americans and 27% to 65% among black Americans.

According to estimates by the National Cancer Institute, cancer-related medical costs in the US were $208.9 billion in 2020, which is likely an underestimate due to the growing cost of treatment.

American patients will spend nearly $16.2 billion in out-of-pocket costs to treat cancer and another $4.9 billion in related time costs (traveling to and from treatments, etc.).

To learn more about this important day, visit https://standuptocancer.org/#.

The most common cancers are breast, prostate, lung and bronchus, colon, melanoma of the skin, bladder, kidney and renal pelvis, non-Hodgkin’s lymphoma, endometrial, pancreatic, leukemia, thyroid and liver cancer.

Gray Matter Games Solutions

HEALTHCARE & LIFESTYLE CHOICES: Navigating Your Second 50

Sept 24 | 4:00p.m. Chapel in the Pines 581 Seven Lakes Drive

Join us for a conversation filled with practical advice as you navigate your Second 50.

Risk factors for developing cancer are varied and include (but are not limited to) excess body weight, drinking alcohol, smoking, genetic factors and eating an unhealthy diet.

An estimated 40% of both men and women will be diagnosed with cancer at some point in their life.

References: https://www.cancer.org/content/dam/cancer-org/research/ca ncer-facts-and-statistics/annual-cancer-facts-and-figures/2 024/2024-cancer-facts-and-figures-acs.pdf

https://seer.cancer.gov/statfacts/

Relay Conference Captioning (RCC) service is available for individuals who have a hearing loss or a speech disability to actively participate in teleconference calls or webinars by reading live captions on their laptop, mobile device or tablet.

https://www.cancer.gov/about-cancer/understanding/statisti cs#:~:text=Statistics%20at%20a%20Glance%3A%20The,wil l%20die%20from%20the%20disease.

https://www.cancer.org/content/dam/cancer-org/research/ca ncer-facts-and-statistics/annual-cancer-facts-and-figures/2 024/2024-cancer-facts-and-figures-acs.pdf

To inquire, contact kim.m.calabretta@t-mobile.com or visit relaync.com/rcc

Guest Panelist: Ed Hill, Certified Financial Planner™ Edward Hill Wealth Management

Conversation Facilitators: Lifestyle Choices

Jennifer Tyner, Aging Life Care™ Professional, AOS Care Management

Robin Hutchings, Sales & Marketing Director, Fox Hollow Senior Living

Ashley Culbreth, Registry Administrator, AOS At Home Care

Program Sponsors: Chapel in the Pines, Fox Hollow Senior Living, & Aging Outreach Services

ACROSS

I) Average Joe

6) Bane

11) Groceries holder

14) One way to set a clock

15) "I had_ good time"

16) Intense anger

17) Quite sizeable

19) Clock standard, briefly

20) Additional amount

21) Lapidarist's object of study

22) Startling exclamation

23) Not on the level?

26) Reciprocally

28) Enjoy the slopes

29) Drops in the ocean?

3I) Turndown words

32) Common pets

34) Engage in litigation

35) New York big house

38) Footrest

40) Stock of weapons

41) Expose by squealing

42) Lots of mins.

43) Tom's "A Few Good Men" co-star

44) Candidate for spitchcocking

45) Ending for "deal" or "home"

47) Finger-pointer's word

48) Augurs

51) One of the Rockefellers

53) Put a spell on

54) Confessional revelation

55) White House figure

56) Away from the bow

57) Pennies and nickels, e.g.

62) What to call a knight

63) "And now ... " sayer

64) Willow for wickerwork

65) Frat letter

66) Tries to locate

67) Native American home of old

DOWN

I) "Rebel Without a Cause" actor Mineo

2) Half a <lance's name

3) That woman

4) Igneous-rock producer

5) Music halls of old

6) Twenty-four cans, at times

7) Dot-corn's address

8) Acts as monarch

9) More guarded

10) Items on the periodic table

11) Corporate doings

12) Lancelot's attire

13) Board, as a bus

18) Cooper or mason

23) Showy neckwear

24) Participate in a roller derby

25) Something for favorite customers?

14) One way to set a clock

15) "I had_ good time"

16) Intense anger

17) Quite sizeable

19) Clock standard, briefly

20) Additional amount

21) Lapidarist's object of study

22) Startling exclamation

23) Not on the level?

26) Reciprocally

28) Enjoy the slopes

29) Drops in the ocean?

3 I) Turndown words

32) Common pets

34) Engage in litigation

35) New York big house

38) Footrest

43) Tom's "A Few Good

44) Candidate for spitchcocking

45) Ending for "deal" or "home"

47) Finger-pointer's word

48) Augurs

51) One of the Rockefellers

53) Put a spell on

54) Confessional revelation

55) White House figure

56) Away from the bow

57) Pennies and nickels, e.g.

62) What to call a knight

63) "And now ..." sayer

64) Willow for wickerwork

65) Frat letter

66) Tries to locate

67) Native American home of old

SIZE UP

Gray Matter Games Solutions

Choice. Comfort. You.

SENIOR LIVING YOUR WAY

You deserve classic charm, modern senior living, and the freedom to do what you love. With Assisted Living or Memory Care at Fox Hollow, our compassionate, long-standing team is here to help you make the most of each day. From our care to our activities calendar, dining menus, and lifestyle options, this is your home—where everything is customized just for you.

RECEIVE CARE YOU CAN DEPEND ON

• Exercise classes and on-site wellness therapy

• Weekly housekeeping and linen service

• Scheduled, local transportation

• Award-winning Bridge to Rediscovery™ Memory Care

DISCOVER ACTIVITIES AS FUN AS YOU

• Lifestyle360 activity program for well-rounded days

• Live entertainment, movie nights, and game-watching parties

• Resident clubs and spiritual services

FEAST ON FIVE STAR FLAVOR

• Signature, chef-prepared dishes served restaurant-style daily

• Individualized options to accommodate preferences and dietary restrictions

• Private rooms available for family dining

• Always Available Menu so you can dine whenever you like

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