Retirement living is for persons who no longer want the responsibility of maintaining a personal residence but are fully capable of living an independent lifestyle. These communities offer their residents freedom and privacy while creating an atmosphere of convenient comfort. The advantage of a retirement community, in addition to increased security and relief from homestead obligations, is the enhanced social atmosphere created when individuals of the same age and similar interests come together. Most retirement communities provide a variety of social, cultural, and recreational activities as well as meal preparation, convenience shopping and transportation services. Some communities provide area bank and pharmacy branches on the premises for their residents. The only pay source for this level of care is Private Pay.