It's based on the date from which you choose to start taking your pension.
Alternatively, you could not tell them you live in Thailand and get an increase every year.
Mine was in Chinese and the English translation didn't make much sense.
But it still turned the electric off (no flash, bang, spark) quicker than the fuses could flip when it got shorted.
(daughter + iron + extension lead = short)
Fairly common in the USA, or so I'm told.
In the UK they nearly all expected 3x dinner and drinks for 1x sex.
Can't remember much success when they paid for themselves.
I've always thought the best thing to do is have fun now, and not worry about later.
No health insurance for me, I had some, they didn't pay out, and they won't get any more money from me.
When I see all the climate alarmists posting in these threads generate their own electricity and the rulers of the earth stop buying beachfront property ........ I will believe it!
Here's a typical conversation with a climate alarmist.
Q: How much of your electricity do you generate? ..... A: None
Q: why not? ...... A: I expect everyone else to pay for my beliefs.
Q: So what do you actually do to prevent climate change? A: I post a lot in forums.