As Pamela Gaskill walked through San Francisco's blighted Tenderloin district one day in 2000, she had an epiphany.

Observing impoverished residents of single room occupany hotels, she realized she had no financial resources for her own retirement. Gaskill, a slendor, weathered woman who has driven trucks since the 1970's thought, "This is what happens if you don't have a pension. People end up in a tiny little room with nothing."

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