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[Applause] today we got a great question from khalid khalid wants to know about the mra plus 10 retirement under fers ill bet theres more people out there who want to know about a immediate reduced retirement versus a postponed mra plus 10 retirement so heres a question from khalid im going to go ahead and share my screen with you so you can kind of read it along with me so here we go khalid wants to know i worked for the federal government for 11 years i was born in january 1960 and i was 56 at the time of my separation i need to know if postponement later than age 62 will accrue any further enhancement of my benefits is there any benefit to delaying past age 62. all right so to start with khalid thats a great question but i do want to start back a little bit further and help understand what is mra plus 10 because thats really what youre asking about and in addition to that youre asking about postponing your mra plus 10 benefit so heres the definition of mra plus 10. first o