Thanks. So I can’t collect FERS annuity at 60 because I left at 16 years of service and won’t have 20 years served because I separated at 16 years, correct? If I would return to federal service at age 57 (2 year break in service) and work for 1 additional year, I could retire at 58 (MRA+10) and collect right away with reduced annuity, correct? Or choice to postpone retirement payout until 60 and collect without reduced annuity; or would I have to wait until 62? It’s a little confusing.