For a more enjoyable calling experience it also uses age-specific frequency adjustment and real-time speech slowing to help make calls crystal clear.

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While younger couples may accept such an arrangement with little adjustment, men currently of retirement age may not be comfortable with the change.

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Earlier projections apparently failed to account for rebounding changes in the Earth's crust following the last Ice Age (referred to as "glacial isostatic adjustment").

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For each year they wait past 66, they get 8% more (plus an inflation adjustment), for a maximum benefit at 70 equal to 132% of the full retirement age payout.

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