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JAFO writes:

Because we have each been willing to assume that some men who reach age 65 have already entered a nursing home, then the risk ratio for those who reach age 65 without having entered a nursing home is (and must be) smaller than the lifetime risk ratio.

LOL. Good post and good analysis. I'm amused because I think you mathematically proved what I said in my prior post.

Regards..Pixy
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