You may have noticed lately that your aging parents are less able to do things for themselves. We certainly saw that in my family. When physical problems become more and more apparent, and the elder in your life is losing independence, it's time to develop a plan. My mother in law, Alice, is 95, getting frail and losing her vision. She finally admitted that she needed help. Exactly what that meant to her was not clear. We just saw her getting depressed over being unable to do