There was a couple (let's call them Carl and Clara) whose twenty-five year marriage was a good one. Not the most idyllic, but good. They now had three grown children who loved them dearly. They were also blessed with sufficient financial security to allow them room to dream about a lakeside retirement home. They began looking. A widower we'll call Ben was selling his place. They liked it a lot and returned home to talk and plan. Months passed.

That fall, right out of the blue, Clara told Carl she wanted a…