Good Afternoon L.I.S.
So maximum pension plan contribution is capped at 35 years as per the agreed contract provisions so do you propose one contributes over thirty five years at current contribution levels until they retire but disbursement is based on 35 years?
In addition, the 2% penalty is a "contractually" agreed item to make sure people go full term to collect their pension without penalties. Alternatively, shall the C.H.R.T. review this as "age" (wanting to go early) discrimination under the Charter?
From your post it is apparent from your answer you did not display the moral fibre to challenge this as you sat on the sidelines through your career.
You did have a choice Sir.