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<p class="MsoNormal" style="background:white;vertical-align:baseline"><span style="color:black">Good afternoon, <o:p></o:p></span></p>
<p class="MsoNormal" style="background:white;vertical-align:baseline"><span style="color:black"> <o:p></o:p></span></p>
<p class="MsoNormal" style="background:white;vertical-align:baseline"><span style="font-family:"inherit",serif;color:black;border:none windowtext 1.0pt;padding:0in">We would like to announce that we will be having our third <span class="markb06wkkr57">Brown</span> <span class="markiybc9kogh">Bag</span> Lecture Series talk
with Dr. Patricia “Patty” Born on <b>November 6th at 12 PM</b>. We will be serving a light lunch for those attending in person. </span><span style="font-size:11.5pt;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white;vertical-align:baseline"><b><span style="font-size:10.5pt;font-family:Helvetica;color:#232333;letter-spacing:.3pt;background:white">Title:</span></b><span style="font-size:10.5pt;font-family:Helvetica;color:#232333;letter-spacing:.3pt;background:white">
"Can I Afford to Retire in Florida? An Analysis of the Changing Cost of Living for Florida Retirees"
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<p class="MsoNormal" style="background:white;vertical-align:baseline"><b><span style="font-size:10.5pt;font-family:Helvetica;color:#232333;letter-spacing:.3pt;background:white">Abstract:</span></b><span style="font-size:10.5pt;font-family:Helvetica;color:#232333;letter-spacing:.3pt;background:white">
In 2022, more than 21% of Florida's population was over 65 years old, making it one of the largest retirement populations in the country. Attractions include warm weather, quality hospital and medical centers, and no state income taxes. The cost of living
for retirees in Florida has been historically low, but recent climate events are putting pressure on affordability as the cost of property insurance has increased dramatically. This presentation will explore the implications of climate risks on the long-term
viability of Florida’s status as a top retirement destination. <o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white;vertical-align:baseline"><b><span style="font-size:10.5pt;font-family:Helvetica;color:#232333;letter-spacing:.3pt;background:white">Bio:</span></b><span style="font-size:10.5pt;font-family:Helvetica;color:#232333;letter-spacing:.3pt;background:white">
Patty Born is the Midyette Eminent Scholar of Risk Management and Insurance in the Department of Risk Management/Insurance, Real Estate and Legal Studies in the FSU College of Business. Her research focuses on insurance market performance with emphasis on
the markets for property coverage and health insurance. She serves on the Florida Commission on Hurricane Loss Projection Methodology and recently worked with the Rockefeller Institute on evaluation of the health insurance Marketplaces established by the Affordable
Care Act.<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white;vertical-align:baseline"><b><span style="color:black">To RSVP for in-person, use the link below:</span></b><span style="color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white;vertical-align:baseline"><b><span style="color:black">To RSVP for Zoom, use the following link:</span></b><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal" style="background:white;vertical-align:baseline"><b><span style="color:black"><a href="https://nam04.safelinks.protection.outlook.com/?url=https%3A%2F%2Ffsu.zoom.us%2Fmeeting%2Fregister%2FtJwvdumrqTIvGdW0tuQlTwUVD5I5NO-CKyMq&data=05%7C02%7Cisl%40lists.fsu.edu%7C85c738092f3845da1cb208dcedff647c%7Ca36450ebdb0642a78d1b026719f701e3%7C0%7C0%7C638646928397210030%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=8QI0JXjryXo7xikK%2FUwd2POWMf%2F3VDvyHTIdSl4jD%2FU%3D&reserved=0" originalsrc="https://fsu.zoom.us/meeting/register/tJwvdumrqTIvGdW0tuQlTwUVD5I5NO-CKyMq" shash="n8tJf11O1ls5CpOWIwuLeuxMkab/cO1NE4GQR5tNl5LuW1Jo2xb7jShghYjnmvLQD/ZrPhF0ab51GZ1P4YZQ2Q2Flz3+KB8A16uuD3gu+iu8Z5Nmeqbe8fKPQ9F6P5IJi818/6+0FOAda/lhH9MTzPM+2wqI+00t2tYf/SRQk94=">https://fsu.zoom.us/meeting/register/tJwvdumrqTIvGdW0tuQlTwUVD5I5NO-CKyMq</a></span></b><span style="color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="vertical-align:baseline"><span style="font-size:22.0pt;color:black">All the best,</span><span style="font-size:22.0pt;color:black"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline"><i><span style="font-size:22.0pt;color:black">Nehja Guillaume </span></i><span style="font-size:22.0pt;color:black"><o:p></o:p></span></p>
<p class="MsoNormal" style="vertical-align:baseline"><span style="font-size:16.0pt;color:black">Administrative Assistant, Institute for Successful Longevity<br>
Florida State University<span style="border:none windowtext 1.0pt;padding:0in"><br>
142 Collegiate Loop</span><o:p></o:p></span></p>
<p style="margin:0in;background:white"><span style="font-size:16.0pt;font-family:"Aptos",sans-serif;color:black;border:none windowtext 1.0pt;padding:0in">Louis Shores Building, Room 266C<br>
Tallahassee, FL 32306</span><span style="color:#242424"><o:p></o:p></span></p>
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<p style="margin:0in;background:white"><span style="font-size:20.0pt;font-family:"Aptos",sans-serif;color:#242424;border:none windowtext 1.0pt;padding:0in"> <img border="0" width="186" height="199" style="width:1.9375in;height:2.0729in" id="Picture_x0020_1" src="cid:image002.png@01DB1FC4.F92F4F80" alt="A logo with a red and yellow background
Description automatically generated with medium confidence"></span><span style="color:#242424"><o:p></o:p></span></p>
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