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Their formula is such that they can delay the get your payment like a week after your birthday....and delayed by a month...and it is for the month before.

I was born on June 24...the first check came the first week in August...and comes the first week of every month now....

That allows them to keep the money for a month and a couple weeks.....If you figure a few million retire each year...that adds money 'saved'.....

or that they don't have to borrow to give you to.

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