JUST BEFORE MIDNIGHT on Dec. 17, 2017, Julia Fraser*, 51, a managing partner at a major Toronto P.R. firm, was woken by an urgent call from the Caribbean, where she had spent her early childhood. Fraser’s mother, who had just turned 80, had suffered a stroke. By the time Fraser reached her, it was apparent that something had changed dramatically. Her mother had suffered partial paralysis from the stroke and, more worrisome, what the doctors described as a “seizure of dementia.” Up to this point, her mother had been living in her own apartment, largely subsidized by Fraser with some minor help from her two younger sisters, both of whom were living in the U.S. But now, until a nursing home could be found, Fraser had to arrange for round-the-clock…