You might want to hold onto this newsletter until after the holidays. It has been written in the spirit of “A Christmas Carol” in the hope that, like Ebenezer, Canadians will wake up and embrace their responsibility in the greater functioning of this country. Discerning Seniors has maintained that aging is something you do…not something that randomly happens to you. It is crucial to plan for it and to understand how much it costs to live longer and sicker in Canada’s largest