today is Halloween. I year ago today I retired. Who knew that 10 months later I my husband would die and in an instant I became a widow. We had so many future retirement plans. All gone in that moment with his death. No warning. Heart arrack. Now, so many changes. It’s not like I have a choice. My best friend, and partner of 38 years is gone. Tom was so handy, as a child if he could not figure ou…