Hey maddog - your memory is incorrect. There was a 1% increase to the DC plan at DOS+1 year. 2015 has a 1% immediately and a 1% down the line - in other words, it is a much better improvement to section 28 then what you got back in 2006. The value of the multiplier is less than the total value of retirement incentives this time around. 2006 had a TON of negatives in it - I still here guys complaining about daily. But hey, if your memory tells you that you did a great job, then have at it.