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The early reduction is not one rate — the three years before full retirement age cost 6.67pp each, and everything earlier costs 5.0pp.

“Around 78 to 83” was never a range. Name the comparison and it lands on 78y8m, 80y4m or 82y6m.

Art. 14 never lists the grounds itself — it calls art. 2, then defers to a ministry notice. Opening that notice narrows loan repayment to a shutdown-or-disaster loan three months in arrears.

How much you received is only half of it. The statute divides the payout by years of service, runs it through the rate table, then multiplies it back — so longer service drops it into lower brackets.

Habit in your 30s, accelerate in your 40s, review in your 50s, design withdrawals in your 60s.