Sheldon S. Tobin, Ph. D. , is Director of the Ringel Institute of Gerontology, Albany, New York. James W. Ellor, D. Min., A.C.S.W. , is Associate Professor, National School of Education, Evanston, Illinois. Susan M. Anderson-Ray, A. M. , is Assistant Director of Social Services at the Judson Retirement Community, Cleveland Heights, Ohio.