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[Music] [Applause] okay today were going to talk about interest rates and how severely inflation is impacting the interest rates that are used to calculate the chevron pension lump sum my name is wesley boudreau one of the financial advisors here with the retirement group and i just want to remind everybody that the retirement group were not affiliated with nor employed by chevron however we have been working extensively with chevron employees and retirees for many years helping them transition into retirement and navigate different issues like this uh the pension calculation whats the best option the annuity versus a lump sum whats the best timing as far as retirement to maximize some of those choices thats going to talk about today we got the march rates out here recently which are going to let us know what the uh what the average rate is going to be for june and were seeing the largest uh month-to-month change weve ever seen in the history of the segment rates since 2008 so