There are not enough affordable options to meet the needs of older adults who do not need nursing home care, but do need assistance at home or in an affordable assisted living facility. In addition, while the downturn in the economy has affected everyone, every catastrophe creates an opportunity for people who are unscrupulous; so seniors were particularly hard hit by mortgage-lending abuses. Many people who worked hard to pay off their homes fell victim to con artists who convinced them to take out a mortgage to pay off credit cards or other unsecured debt; and in many cases the terms of those mortgages were misrepresented. We see a lot of seniors who are facing foreclosure because they got adjustable rate mortgages with artificially low starting rates or loans with balloon payments they couldn’t pay.