<p>In the quiet moments before dawn breaks there exists a</p><p>space where the past and the future converge. It is within</p><p>this delicate balance of reflection and anticipation that we</p><p>find ourselves standing on the threshold of a new chapter</p><p>in life. For those of us who have crossed the threshold of</p><p>forty the notion of retirement may seem distant perhaps</p><p>even inconceivable.</p>