Eliminate "penalty" for early retirement. Many employees who have the age and years of service to retire, and who have lost interest in their department/agency mission, do not retire until they are old enough to avoid having their retirement annuities reduced. (This actuarial reduction is often referred to as an "early retirement penalty.") Eliminating this penalty, while costing the retirement system more, will ventilate the workforce with new hires and promotions, typically at lower steps of the General Schedule (or lower end of pay bands). The lower salaries of the replacement employees should more than offset the higher annuities of the "early" retirees. Equally or more important, the replacement employees may well be more productive.