. >> commissioner stansberry. >> i want to talk about those people that are going to beretiring by july 1. my understanding is that there is a table used to calculate somebody's retirement benefits. that table is affected by the discount rate, is that correct? >> that i believe you are referring to the factors used to convert to optional forms and that is affected, yes. >> that would be someone wanted to refire and take less from pension so survivor would get more later? >> correct. >> the automatic form of benefit does not change. it is the options for increasing the survivor benefits or some of the other options, the factors would change. >> someone had an appointment in june, in a couple weeks they could be told one number and discount rate changed that number might change on them later, is that correct? >> that is correct. >> the order of magnitude of change, my understanding, it is quite small. pennies to dollars. can you -- i know there is all types of variables. can someone help us understand those people that might be affected by this what change are we talking about? >> we are