You are now 80 years old and, unfortunately, you have outlived your retirement fund. You do own a lovely home valued at $200,000. Your Social Security is about $3,000/month short to cover your expenses. You are considering a reverse mortgage so you can stay in your home. The terms would include a financing fee of $10,000 and interest of 10%. List the pros and cons of taking on a reverse mortgage. What would be an alternative?