Moose,

Do you know if a bunch of guys submitted their paperwork today? I am not a financial guru, but apparently there are some tax implications on your lump sum if you retire in early 2011 vs. late this year. It's to the tune of $50k. So, gummers who want to go within the next few months are better off turning in their paperwork today... something to do with November interest rates. See TL's post on the WebBoards under "Retirement & Insurance."