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Meanwhile, Carle sees another largely untapped option for baby boomers: cruise ships.

"You have a hospital and doctors on board," he said. "Your housekeeping and meals are paid for. It wouldn't work for skilled nursing, no. But for assisted living? Yeah. And you travel the world.

"Will everybody be able to afford it? No. But it takes 700 or 800 people to fill a cruise ship. Out of 78 million of us, you can find 700."


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