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Sorry everyone,

I failed to clarify some details properly.

1. The bonus is offered at 15 years, but you still work until the normal 20 years and then retire at the lower rate of 47%, versus the normal 50% of base income.

2. Dropping the money in to an account consisted of leaving it there for the remainder of the five years that I am still working the government job, and then post retirement dropping the monthly retirement pay in to the same account for the next 5 years.
That is where I get the calculation of 140k.
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