rner　offices　will　be　able　to　expect　in　the　way　of　pension　ine；　she　said　with　a　confident　smile： 〃The　Silver　Bullet。'

〃　'What；'　I　asked；　'is　The　Silver　Bullet？'

〃She　shrugged；　'If　baby　boomers　discover　they　don't　have　enough　money　to　live　on　when　they're　older；　they　can　always　blow　their　brains　out。'〃　Karpel　goes　on　to　explain　the　difference　between　the　old　Defined　Benefit　retirement　plans　and　the　new　401K　plans　which　are　riskier。　It　is　not　a　pretty　picture　for　most　people　working　today。　And　that　is　just　for　retirement。　When　medical　fees　and　long…term　nursing　home　care　are　added　to　the　picture；　the　picture　is　frightening。　In　his　1995　book；　he　indicates　that　nursing…home　fees　run　from　30；000　to　125；000　per　year。　He　went　to　a　clean　no…frills　nursing　home　in　his　area　and　found　the　price　to　be　88；000　a　year　in　1995。

Already；　many　hospitals　in　countries　with　socialized　medicine　need　to　make　tough　decisions　such　as　〃Who　will　live　and　who　will　die？〃　They　make　those　decisions　purely　on　how　much　money　they　have