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I still don't understand why it's so high.

Are these places where you can stay whether you run out of money or not? If so, the prices are so high because they take out a hefty insurance policy on you so they collect when you croak. They need to recoup their investment. Of course, most people who can afford the level of living of which you speak will not run out of money before they die.

Insurance. It's a gamble.

Chili
MIL is in lower-level place here in Texas
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