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good morning and welcome to your retirement estimate and payment options webcast before we get to the main presentation lets take care of some housekeeping items to provide you with a future reference and make your note-taking easier weve provided a learning guide for this webcast youll see the link to the learning guide below the youtube viewing window the video for this webcast will stay posted here on youtube so you can come back and watch again if you need to please note that due to the large number of participants even though the chat feature is active we wont be able to respond to member questions during this webcast today well cover how you can use the my calpers retirement estimate calculator to generate an estimate of your retirement benefit in addition well demonstrate how to obtain a potentially more accurate estimate of your retirement benefit amount by requesting a letter from us well also go over the retirement payment options you can choose at the time of retireme