re: BRPD has a great retirement benefit.

I wouldn't want that. I would want people who have the option of retirement to be able to get out what they put into a system designed for care after their working days are over. However, I think that programs like DROP are still too young to be left alone. Tweaks will need to be made to the system so that loopholes cannot be exploited. But, the tweaks can only be made once the problems can be identified.