The graying of America continues. The number of Americans who are over 65 creeps upward. Today, that number is about 50 million. It is likely to expand to near 100 million by 2060.  And our longevity is creating a bit of a problem. When social security was enacted the average life expectancy was 65. Now, for women it is 81; for men 77 – probably the happiest four years for a lot of women.    Read the entire article……………………………….