Flap62
Why would a late 50s Captain keep working if it's going to have no effect on his pension?
Because they simply can't live without their perceived 'status'!
Cullin Hills
Anyone with an (more than one!) ex-wife, is likely to have a younger partner, and quite possibly a 'new' family too. - Expensive!
Very unlikely, pension changes will have any significant effect on retirements IMVHO!