The rising cost of long term care policies is becoming a growing problem. Premiums are rising, benefits shrinking. Steve and Sinclair review a recent Wall Street Journal article pointing out that over 7,000 policies were bought in 2000, but last year demand had fallen to 131,000 policies. We examine and provide solutions. Hedge fund manager Jim Gentrup, CFA joins the A-Team for the Q & A in segment 3. Steve wraps up with an overview in segment 4 with a tribute to his mom.