ROBERTA is unsentimental, logical, traditional. She is Jewish, originally from Brooklyn. According to her world-view, we are the product of our history and the tribes that we connect with. She maintains a small, manageable world that consists of listening to opera and watching the ducks on the pond behind her house. A retired financial planner, she is the driving force behind the investment idea for the tontine. As immovable as a rock she learns most about herself late in life.