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hey welcome back to write on the money the go-to resource for your financial decisions again our guest today maria navis retirement specialist at florida retirement solutions and we have been talking about well you know really weve been talking about the florida retirement system and how to me complicated that is i couldnt imagine if i was uh in it and so uh when i look at some of the notes that i had from our pre-call marie and i i look at you know the drop program the the program overall the system um where does somebody even start where do we start well dennis the first um thing to do would probably be make an appointment with us because most people do not understand are they in floor in the investment plan are they in the pension plan can they do drop or can they not they just dont understand that so the first thing is we help them find out what where they are in their career right then when they decide okay i am in the pension plan and i want to do drop then we get them all the