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
WELLBRIDGE
A BUSINESS CONCEPT
CONCEIVED BY SENIORS*DESIGNED BY SENIORS * IMPLEMENTED
BY SENIORS
Wellbridge uses the understandings of science to be a
bridge to rejuvenation.


Presented By
JOHN HUBBELL
CEO & Director
Hubbell Associates Limited
68 Summers Road
Farncombe, Godalming
Surrey GU73BE

ceo@hubbellassociates.co.uk


07795064407
DYING IS EASY ***** LIVING IS AN
ATHLETIC EVENT
"Physical Culture and
Nutrition — Are The
Salvation Of Modern
Society. 1953”
Francois Henri "Jack" LaLanne "The Godfather Of Fitness"
Horatio Alger Award, President’s Council of Physical Fitness Silver Anniversary Award, and has a star on the Hollywood Walk of Fame
To stay healthy is not easy it is hard work.
To be successful in the aging process,
We need to understand the issues and what is needed to overcome them,
We are social animals and therefore need to be complete in this area,
We need to move and eat nutritious food to stay healthy.
Most of us know this. Therefore the question is why don’t we?
That question is why the Wellbridge Concept will be a success.
The Wellbridge Concept
WELLBRIDGE IS A CENTRE FOR SENIORS
PROVIDING
EDUCATION AND SOCIAL INTERACTION,
AGE PLANNING ,
AGE MANAGEMENT THROUGH MOVEMENT AND
NUTRITION
The Wellbridge Business
 The Wellbridge Center will be a seniors’ wellness support
business targeted at the pre- and post-retirement market.
 The uniqueness of the Wellbridge concept is that it incorporates
all the wellness needs of seniors under one roof.
 The business will supply:
 education through lectures and other associated services.
 social functions through a cafeteria and lounge area, and
 fitness through a gym and fitness studios,
 clinical and professional contractors such as chiropractors and
massage therapists,
PURPOSE OF THE INVESTMENT
TO BUILD A PROOF OF CONCEPT AND THEN ROLL OUT THE
PROJECT ACROSS THE HOME COUNTIES
THE
STOCKBROKER
BELT
The Author of The Business Plan
 John Hubbell, a retired businessman,
academic and former Olympian
 He conceived this business opportunity
due to his own aging issues.
 The Wellbridge business plan is the
result of four and a half years of
conceptualizing, researching, planning
and verifying.
 Business Expertise, 40 years as a business
owner and financier (retired securities
dealer specializing in small cap deals)
 Significant board experience (Presently
director of Surrey Active)
 Proven Marketing and Sales Experience
 Academic and Professional Fitness
Expertise
MANAGEMENT
CFO – Chris Burton Brown CA. – Expertise- Strategic
Development, Financial Control, Business Processes, Staff
Development, and Funding
Toby Siddall Director – Past MD, Residential Care at Care
UK
Glen Duffy DC Owner of Care for Health Guest Lecturer,
University of Surrey.
ADVISORS
•Al Foglio MD GI Partners Europe (Finance).
•David Robertson –Stream Properties (Property Acquisition)
•Gill Samuels CBE– Past Director of Pfizer, RAND Advisor (
Science of Aging)
•Emma Forward– Director Exercise Movement & Dance
Partnership. Director Active Surrey. (Fitness and Dance
Instructors Search)
THE INVESTMENT
OF
£850,000
SEIS AND EIS ELIGIBLE
FOR
50%
EQUITY STAKE
(SUBJECT TO MAXIMUM OF 30% PER INDIVIDUAL INVESTOR)
SEIS / EIS FINANCIAL PROJECTIONS 50/50
Conservative Model:
• Starts with 300 members
• Increases evenly to 2000
members after 18 months
• IRR 36%
• Cash flow: break even month 17
(at 1500 members)
 Payback (cash balance equals
investment) in month 36
Turbo Model:
• Starts with 300 members
• Increases evenly to 2600
members after 12 months
• IRR 50%
• Cash flow: break even month 11
(at 1500 members)
• Payback (cash balance equals
investment) in month 25
Assuming multiple investors taking 50% of the equity (each taking no more than
30%), the returns are as below:
Blue Square Wellbridge Location, Train station 50 m. behind building, bus stop
from all surrounding towns directly in front of our building
WITHIN A 15 MINUTE DRIVE OF THE EPSOM CENTER THE POPULATION
WITH AGE 50 TO 74 IS 131000
THE NHS AND SPORT ENGLAND RESEARCH STATES THAT 1 IN 4 OF THE
UK POPULATION ARE ACTIVE
GIVING A MARKET
POTENTIAL OF 32700
JOHN HUBBELL FEELS A SALES SUCCESS PENETRATION OF
BETWEEN 4250 AND 11300 MEMBER BUYERS IS POSSIBLE
OR AN AVERAGE OF 7800 MEMBERS
THEREFORE HE WOULD ONLY NEED 33% OF
THESE MEMBER BUYERS TO MEET THE OPTOMISTIC
PROJECTIONS OF 2600 MEMBERS
SEE ARCHIVES FOR JUSTIFICATION
Potential Competitors
Medical and Health
Companies
Suppliers like BUPA and
Nuffield Health
Competitors
•Using the Illness
Reactive Model
•Have wrong model, not
specific to a wellness
model
•Little to no social
component
•Could be our main
future competitors
Mainstream Gym
Operators
Suppliers like Virgin
Active and Fitness First
•Their model is specifically
a fitness and health model
•Does not specifically target
seniors
•Sweaty jocks and sexy
young bodies intimidating
for some seniors
•Doing a good job with
their market and model
•A seniors time would only
be an after thought for off
peak
Local Authority Leisure
Centers
Our main competition
today for the fitness model
•Supply either great or after
thought program for seniors
•Some have same model as
mainstream gym operators
•Do not have capital to
compete with Wellbridge
Model
•Lots of children and yummy
mummies a negative
•Little to no social
component
Risks In The Market Place
 The Wellbridge model has no proprietary aspect.
 The new science that the Wellbridge model is based on is in the
public domain
 However the Wellbridge model today is unique in the western
world
 Due to Government initiatives new competitors will come into
the market place
 There are many suppliers providing components of the model.
 Small providers supply a complete model for athletes, and high
net worth clients,
 Large suppliers supply only fitness or clinical support
 No one is supplying the whole model for seniors.
Seniors Do Not Like Getting Old!
Wellbridge Helps Them Like It!
Wellbridge does this by supplying: The Wellbridge program uses the
new wellness science to:
 A senior specific wellness
program
 Education
 Movement
 Nutrition Counseling
 Clinical Support
 An individual Critical
Motivator
 A senior specific social
environment
 Slow the aging process
 Reduce the impact of chronic
illness
 In some cases reverse
degeneration
 Prevent or delay or Improve
disability
 Lengthen independent active
life span
This is done all under one roof
a concept unique in the
western world
Why a Wellness Business For Seniors
 By 2031, the over 65 population will hit
15 million.
 The retirement market will strengthen
as pension investments convert to
income.
 Surrey has the wealthiest retirement
population in the UK
 Scientific fact: Inactivity and poor
nutrition are major causes of chronic
diseases.
 After 65, half of the average
individual’s lifespan will be lived in
disability due to past poor lifestyle
choices.
The Government is now
starting to spend money on
Wellness. The Reason:
 80% or £80 billion of NHS expenditures are
for lifestyle-related chronic diseases
 For over 65’s, UK spends over £50 billion
annually on lifestyle related conditions.
(Government Statistics)
 If 1% of the inactive UK spent 30 minutes a
week active = a saving of £1.2Bn. (NHS
source)
 We only need a 1% market penetration to
meet our optimistic projections
Off-site
management
Academic
research
Lectures &
speakers
Total wellness
Retail sales
Seniors dating
agency
Pain management
Age-group
sports training
& competition
Cafeteria
Seniors travel
Oxygen therapy
Medical referrals
Conferences on ageing
Potential Wellbridge services
ROLL OUT
The concept should be proved within 6-9 months of
starting and will trigger a full-scale national roll-out,
starting in the prosperous South-East. Wellbridge
centres will be in leasehold, freehold or joint venture
premises, needing between £600k to £2,5 million
investment. Several locations have already been
surveyed and judged prospective in terms of
infrastructure, services, demographic profile, and
costs.
Can Wellbridge Be Rolled Out? The Answer Is Yes:
 The NHS and UK Treasury want to find a solution to the staggering health cost budget
 For over 50 years research has told us if one moves moderately and eats healthy
• A person will live longer
• A person will have less chance for chronic disease
• A person’s life span in disability after 65 will be reduced
• A person will not visit the doctor as often
• And many other benefits over a sedentary life style
 The UK government has finally accepted this logic
 They realize a total holistic model is the answer to the reduction of costs
 Wellness is now a buzz word for solving the financial crisis
 Life style related illness comprises 80% of the NHS budget
 Seniors comprise 65% of the life style related illnesses
 Each County is required to establish Health and Wellbeing Boards
 The new future business will be to supply the solutions
 Government can’t fund the requirement
 Wellbridge is a model for the senior’s solutions
 Market research tells us that there could be 24 centers in Surry
 There is room for many suppliers
DEMORGAPHICS JUSTIFY 24 CENTERS
IN AND AROUND SURREY
POLICY AND PROCEDURES
The policy and procedures for Wellbridge will conform
and be designed from the following:
Social Care Act
Health and Social Care Act 2008
Care Quality Commission
Policy and Procedures Manuals for Sports Clubs (UK
Sport)
UK Active Policy and Procedures Manual
Fitness Industry Association Policy and Procedures
The Marketing Questions That Have Been Answered
DRAFT DOCTORAL PROPOSAL SUMMARY ON: BIOLOGICAL AGING AND HEALTH COSTS
By John Hubbell the Proposer
THE RESEARCH QUESTION
WHAT WOULD BE THE ECONOMIC AFFECT IN THE REDUCTION OF GENERAL DISABILITY AFTER
THE AGE OF 65 TO THE UNITED KINGDOMS NATIONAL HEALTH COSTS? A STUDY INTO
BIOLOGICAL AGING.
 THE DISSERTATION RESEARCH STUDY QUESTIONS
 In order to find the answers to this question, there will be investigation into the following studies. The
questions below will certainly bring forward new directions to follow, but the questions below will form
the basis to the dissertation.
 Demographic Questions
 What is the current demographic research?
 What is the make up of Southern England’s population in the 55 to 80 plus study group for the
definition of this study?
 What is the longevity status for the southern England age groups from 55 to 80 plus to determine
demographic longevity norms?
 What is the recognized definition of life after 65 living in good heath and living in disabled health?
 What is the life span with and without disability in Southern England?
 What are the various longevity statistics for different income groups such as Low-Income, State-
Dependent Market, Mass Market Low to Mid Income, Mass Affluent Market, High Net Worth
Consumers.
 What are the various functional health issues associated to the different income groups such as Low-
Income, State-Dependent Market, Mass Market Low to Mid Income, Mass Affluent Market, High Net
Worth Consumers.
 What impact do life style, nutrition, movement, mental attitude, environment, and genetics have on
longevity?
Biological Questions?
 What is the current biological age research?
 What are the biological age determinants?
 What are the various health issues that seniors have to deal with?
 How are the relationships of the three impacting longevity factors (environment,
genetics and life style management) influencing health and longevity?
 What are the various definitions of biological age?
 What are the various measurements of cardiovascular, pulmonary, strength, flexibility
and internal fitness?
 What are the various measurement vehicles used by business, academia, science and
medicine to determine age levels, and the various aspects of health?
 What should be the unique definition for this study of biological aging, if the existing
definitions on biological age are not suitable for the purpose of this study?
 Should a unique measurement vehicle for the purpose of this study be designed, if
existing vehicles are not suitable?
 How an improvement in nutrition and exercise will affect an individual’s biological age in
relationship to their chronological age?
Wellness Questions?
 What is the current research dealing with middle to advance aging
wellness programs and best practice?
 What are the motivating and de-motivating factors with respect to
participating in a wellness program?
 What types of activity groups are there in Southern England that deal
with wellness, such as dancing, recreation, age group sport, fitness
programs, medical screening etc.?
 What type of support are there available in Southern England that deal
with wellness, such as dancing, recreation, age group sport, fitness
programs, medial services, health screening etc.?
 What are the types of wellness programs available to the study group?
 What are the facilities and support available to the specific study
population in relation to wellness management?
 What are the issues of disability in the retirement community?
Economic Questions?
 What are the intergenerational health costs of the UK as allocated to various age
divisions, Infant, Toddler, Pre-pubescence, Preadolescence, Adolescence, Young
Adulthood, Middle Adulthood, and Advanced Adulthood?
 What is division of health costs as it is divided into the various functional health illnesses
for Middle Adulthood and Advanced Adulthood?
 What are the varying costs of wellness program components and a total wellness
program?
 What are the health costs of the UK as allocated to specific senior health issues such as
disease, life style caused illness, and injury?
 What are the uses of biological age in medical diagnostic practice, actuarial science for
pensions and health insurance policies, fitness industry, and government policy?
 What are the solvency issues of age-based entitlement programs in the UK?
 What are the specific individual health costs that apply to the various types of accidents,
communicable viral and bacterial disease, cancer, obesity, alcohol dependency, diabetes
etc. as they apply to the over 65 population in the UK?
 What are the various health costs associated to the different income groups such as Low-
Income, State-Dependent Market, Mass Market Low to Mid Income, Mass Affluent
Market, High Net Worth Consumers.
 What are the economic costs to age related disability caused by health issues due to
increasing longevity?
Sales Model
Presale Targets

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WELLBRIDGE A CENTRE FOR THE FIFTY PLUS

  • 1.  WELLBRIDGE A BUSINESS CONCEPT CONCEIVED BY SENIORS*DESIGNED BY SENIORS * IMPLEMENTED BY SENIORS Wellbridge uses the understandings of science to be a bridge to rejuvenation.   Presented By JOHN HUBBELL CEO & Director Hubbell Associates Limited 68 Summers Road Farncombe, Godalming Surrey GU73BE  ceo@hubbellassociates.co.uk   07795064407
  • 2. DYING IS EASY ***** LIVING IS AN ATHLETIC EVENT "Physical Culture and Nutrition — Are The Salvation Of Modern Society. 1953” Francois Henri "Jack" LaLanne "The Godfather Of Fitness" Horatio Alger Award, President’s Council of Physical Fitness Silver Anniversary Award, and has a star on the Hollywood Walk of Fame To stay healthy is not easy it is hard work. To be successful in the aging process, We need to understand the issues and what is needed to overcome them, We are social animals and therefore need to be complete in this area, We need to move and eat nutritious food to stay healthy. Most of us know this. Therefore the question is why don’t we? That question is why the Wellbridge Concept will be a success.
  • 3. The Wellbridge Concept WELLBRIDGE IS A CENTRE FOR SENIORS PROVIDING EDUCATION AND SOCIAL INTERACTION, AGE PLANNING , AGE MANAGEMENT THROUGH MOVEMENT AND NUTRITION
  • 4. The Wellbridge Business  The Wellbridge Center will be a seniors’ wellness support business targeted at the pre- and post-retirement market.  The uniqueness of the Wellbridge concept is that it incorporates all the wellness needs of seniors under one roof.  The business will supply:  education through lectures and other associated services.  social functions through a cafeteria and lounge area, and  fitness through a gym and fitness studios,  clinical and professional contractors such as chiropractors and massage therapists,
  • 5. PURPOSE OF THE INVESTMENT TO BUILD A PROOF OF CONCEPT AND THEN ROLL OUT THE PROJECT ACROSS THE HOME COUNTIES THE STOCKBROKER BELT
  • 6. The Author of The Business Plan  John Hubbell, a retired businessman, academic and former Olympian  He conceived this business opportunity due to his own aging issues.  The Wellbridge business plan is the result of four and a half years of conceptualizing, researching, planning and verifying.  Business Expertise, 40 years as a business owner and financier (retired securities dealer specializing in small cap deals)  Significant board experience (Presently director of Surrey Active)  Proven Marketing and Sales Experience  Academic and Professional Fitness Expertise MANAGEMENT CFO – Chris Burton Brown CA. – Expertise- Strategic Development, Financial Control, Business Processes, Staff Development, and Funding Toby Siddall Director – Past MD, Residential Care at Care UK Glen Duffy DC Owner of Care for Health Guest Lecturer, University of Surrey. ADVISORS •Al Foglio MD GI Partners Europe (Finance). •David Robertson –Stream Properties (Property Acquisition) •Gill Samuels CBE– Past Director of Pfizer, RAND Advisor ( Science of Aging) •Emma Forward– Director Exercise Movement & Dance Partnership. Director Active Surrey. (Fitness and Dance Instructors Search)
  • 7. THE INVESTMENT OF £850,000 SEIS AND EIS ELIGIBLE FOR 50% EQUITY STAKE (SUBJECT TO MAXIMUM OF 30% PER INDIVIDUAL INVESTOR)
  • 8. SEIS / EIS FINANCIAL PROJECTIONS 50/50 Conservative Model: • Starts with 300 members • Increases evenly to 2000 members after 18 months • IRR 36% • Cash flow: break even month 17 (at 1500 members)  Payback (cash balance equals investment) in month 36 Turbo Model: • Starts with 300 members • Increases evenly to 2600 members after 12 months • IRR 50% • Cash flow: break even month 11 (at 1500 members) • Payback (cash balance equals investment) in month 25 Assuming multiple investors taking 50% of the equity (each taking no more than 30%), the returns are as below:
  • 9. Blue Square Wellbridge Location, Train station 50 m. behind building, bus stop from all surrounding towns directly in front of our building
  • 10. WITHIN A 15 MINUTE DRIVE OF THE EPSOM CENTER THE POPULATION WITH AGE 50 TO 74 IS 131000 THE NHS AND SPORT ENGLAND RESEARCH STATES THAT 1 IN 4 OF THE UK POPULATION ARE ACTIVE GIVING A MARKET POTENTIAL OF 32700 JOHN HUBBELL FEELS A SALES SUCCESS PENETRATION OF BETWEEN 4250 AND 11300 MEMBER BUYERS IS POSSIBLE OR AN AVERAGE OF 7800 MEMBERS THEREFORE HE WOULD ONLY NEED 33% OF THESE MEMBER BUYERS TO MEET THE OPTOMISTIC PROJECTIONS OF 2600 MEMBERS SEE ARCHIVES FOR JUSTIFICATION
  • 11. Potential Competitors Medical and Health Companies Suppliers like BUPA and Nuffield Health Competitors •Using the Illness Reactive Model •Have wrong model, not specific to a wellness model •Little to no social component •Could be our main future competitors Mainstream Gym Operators Suppliers like Virgin Active and Fitness First •Their model is specifically a fitness and health model •Does not specifically target seniors •Sweaty jocks and sexy young bodies intimidating for some seniors •Doing a good job with their market and model •A seniors time would only be an after thought for off peak Local Authority Leisure Centers Our main competition today for the fitness model •Supply either great or after thought program for seniors •Some have same model as mainstream gym operators •Do not have capital to compete with Wellbridge Model •Lots of children and yummy mummies a negative •Little to no social component
  • 12. Risks In The Market Place  The Wellbridge model has no proprietary aspect.  The new science that the Wellbridge model is based on is in the public domain  However the Wellbridge model today is unique in the western world  Due to Government initiatives new competitors will come into the market place  There are many suppliers providing components of the model.  Small providers supply a complete model for athletes, and high net worth clients,  Large suppliers supply only fitness or clinical support  No one is supplying the whole model for seniors.
  • 13. Seniors Do Not Like Getting Old! Wellbridge Helps Them Like It! Wellbridge does this by supplying: The Wellbridge program uses the new wellness science to:  A senior specific wellness program  Education  Movement  Nutrition Counseling  Clinical Support  An individual Critical Motivator  A senior specific social environment  Slow the aging process  Reduce the impact of chronic illness  In some cases reverse degeneration  Prevent or delay or Improve disability  Lengthen independent active life span This is done all under one roof a concept unique in the western world
  • 14. Why a Wellness Business For Seniors  By 2031, the over 65 population will hit 15 million.  The retirement market will strengthen as pension investments convert to income.  Surrey has the wealthiest retirement population in the UK  Scientific fact: Inactivity and poor nutrition are major causes of chronic diseases.  After 65, half of the average individual’s lifespan will be lived in disability due to past poor lifestyle choices. The Government is now starting to spend money on Wellness. The Reason:  80% or £80 billion of NHS expenditures are for lifestyle-related chronic diseases  For over 65’s, UK spends over £50 billion annually on lifestyle related conditions. (Government Statistics)  If 1% of the inactive UK spent 30 minutes a week active = a saving of £1.2Bn. (NHS source)  We only need a 1% market penetration to meet our optimistic projections
  • 15. Off-site management Academic research Lectures & speakers Total wellness Retail sales Seniors dating agency Pain management Age-group sports training & competition Cafeteria Seniors travel Oxygen therapy Medical referrals Conferences on ageing Potential Wellbridge services
  • 16. ROLL OUT The concept should be proved within 6-9 months of starting and will trigger a full-scale national roll-out, starting in the prosperous South-East. Wellbridge centres will be in leasehold, freehold or joint venture premises, needing between £600k to £2,5 million investment. Several locations have already been surveyed and judged prospective in terms of infrastructure, services, demographic profile, and costs.
  • 17. Can Wellbridge Be Rolled Out? The Answer Is Yes:  The NHS and UK Treasury want to find a solution to the staggering health cost budget  For over 50 years research has told us if one moves moderately and eats healthy • A person will live longer • A person will have less chance for chronic disease • A person’s life span in disability after 65 will be reduced • A person will not visit the doctor as often • And many other benefits over a sedentary life style  The UK government has finally accepted this logic  They realize a total holistic model is the answer to the reduction of costs  Wellness is now a buzz word for solving the financial crisis  Life style related illness comprises 80% of the NHS budget  Seniors comprise 65% of the life style related illnesses  Each County is required to establish Health and Wellbeing Boards  The new future business will be to supply the solutions  Government can’t fund the requirement  Wellbridge is a model for the senior’s solutions  Market research tells us that there could be 24 centers in Surry  There is room for many suppliers
  • 18. DEMORGAPHICS JUSTIFY 24 CENTERS IN AND AROUND SURREY
  • 19. POLICY AND PROCEDURES The policy and procedures for Wellbridge will conform and be designed from the following: Social Care Act Health and Social Care Act 2008 Care Quality Commission Policy and Procedures Manuals for Sports Clubs (UK Sport) UK Active Policy and Procedures Manual Fitness Industry Association Policy and Procedures
  • 20. The Marketing Questions That Have Been Answered DRAFT DOCTORAL PROPOSAL SUMMARY ON: BIOLOGICAL AGING AND HEALTH COSTS By John Hubbell the Proposer THE RESEARCH QUESTION WHAT WOULD BE THE ECONOMIC AFFECT IN THE REDUCTION OF GENERAL DISABILITY AFTER THE AGE OF 65 TO THE UNITED KINGDOMS NATIONAL HEALTH COSTS? A STUDY INTO BIOLOGICAL AGING.  THE DISSERTATION RESEARCH STUDY QUESTIONS  In order to find the answers to this question, there will be investigation into the following studies. The questions below will certainly bring forward new directions to follow, but the questions below will form the basis to the dissertation.  Demographic Questions  What is the current demographic research?  What is the make up of Southern England’s population in the 55 to 80 plus study group for the definition of this study?  What is the longevity status for the southern England age groups from 55 to 80 plus to determine demographic longevity norms?  What is the recognized definition of life after 65 living in good heath and living in disabled health?  What is the life span with and without disability in Southern England?  What are the various longevity statistics for different income groups such as Low-Income, State- Dependent Market, Mass Market Low to Mid Income, Mass Affluent Market, High Net Worth Consumers.  What are the various functional health issues associated to the different income groups such as Low- Income, State-Dependent Market, Mass Market Low to Mid Income, Mass Affluent Market, High Net Worth Consumers.  What impact do life style, nutrition, movement, mental attitude, environment, and genetics have on longevity?
  • 21. Biological Questions?  What is the current biological age research?  What are the biological age determinants?  What are the various health issues that seniors have to deal with?  How are the relationships of the three impacting longevity factors (environment, genetics and life style management) influencing health and longevity?  What are the various definitions of biological age?  What are the various measurements of cardiovascular, pulmonary, strength, flexibility and internal fitness?  What are the various measurement vehicles used by business, academia, science and medicine to determine age levels, and the various aspects of health?  What should be the unique definition for this study of biological aging, if the existing definitions on biological age are not suitable for the purpose of this study?  Should a unique measurement vehicle for the purpose of this study be designed, if existing vehicles are not suitable?  How an improvement in nutrition and exercise will affect an individual’s biological age in relationship to their chronological age?
  • 22. Wellness Questions?  What is the current research dealing with middle to advance aging wellness programs and best practice?  What are the motivating and de-motivating factors with respect to participating in a wellness program?  What types of activity groups are there in Southern England that deal with wellness, such as dancing, recreation, age group sport, fitness programs, medical screening etc.?  What type of support are there available in Southern England that deal with wellness, such as dancing, recreation, age group sport, fitness programs, medial services, health screening etc.?  What are the types of wellness programs available to the study group?  What are the facilities and support available to the specific study population in relation to wellness management?  What are the issues of disability in the retirement community?
  • 23. Economic Questions?  What are the intergenerational health costs of the UK as allocated to various age divisions, Infant, Toddler, Pre-pubescence, Preadolescence, Adolescence, Young Adulthood, Middle Adulthood, and Advanced Adulthood?  What is division of health costs as it is divided into the various functional health illnesses for Middle Adulthood and Advanced Adulthood?  What are the varying costs of wellness program components and a total wellness program?  What are the health costs of the UK as allocated to specific senior health issues such as disease, life style caused illness, and injury?  What are the uses of biological age in medical diagnostic practice, actuarial science for pensions and health insurance policies, fitness industry, and government policy?  What are the solvency issues of age-based entitlement programs in the UK?  What are the specific individual health costs that apply to the various types of accidents, communicable viral and bacterial disease, cancer, obesity, alcohol dependency, diabetes etc. as they apply to the over 65 population in the UK?  What are the various health costs associated to the different income groups such as Low- Income, State-Dependent Market, Mass Market Low to Mid Income, Mass Affluent Market, High Net Worth Consumers.  What are the economic costs to age related disability caused by health issues due to increasing longevity?