Yes, OTZ is a troll. Don’t feed the troll. He is trying to divide the group. I only comment to point out that his portrayal of what his pension is worth is wildly off the mark. If he was retiring this year, the most his pension could be worth is $225,000, not 112% of his high five of the last ten years no matter if he was hired at the age of 15 or 25. The IRS limit is $225,000 for 2019. Putting out garbage numbers like his serves only to divide the group. Furthermore, he can pick up all the premium pay he wants (and he seems to relish in pointing that out) but he only gets to count $280,000 in 2019 towards that high five calculation. Those numbers are determined by the IRS and only change between 0 and $5,000 a year. At his age and year of hire, he probably should have selected the rebalance plan, but he will never admit that.