I have one final comment or thought. My grandfather was a CF member and he retired at about 48. He went on to work as a court clerk in London for many years, until he retired at 65.
I wonder if you could comment, to follow up on what Mr. Hawn said, about your experiences with members who have retired. Do they generally receive more benefit or a higher pension after 65 if they've worked for a number of years after their first retirement?